LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,553
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,192
−HK$650/mo
Today · 4.125%
HK$21,842
baseline
▲ 0.50% · 4.625%
HK$23,171
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,684/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,865
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,478
−HK$623/mo
Today · 4.125%
HK$24,101
baseline
▲ 0.50% · 4.625%
HK$25,371
+HK$1,270/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,202/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,664
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,431
−HK$779/mo
Today · 4.125%
HK$26,210
baseline
▲ 0.50% · 4.625%
HK$27,805
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,420/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,438
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,174
−HK$747/mo
Today · 4.125%
HK$28,921
baseline
▲ 0.50% · 4.625%
HK$30,445
+HK$1,524/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,842/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,774
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,669
−HK$910/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,439
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,011
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,870
−HK$871/mo
Today · 4.125%
HK$33,741
baseline
▲ 0.50% · 4.625%
HK$35,519
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,482/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,996
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,146
−HK$1,170/mo
Today · 4.125%
HK$39,316
baseline
▲ 0.50% · 4.625%
HK$41,708
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,632/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,157
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,261
−HK$1,120/mo
Today · 4.125%
HK$43,381
baseline
▲ 0.50% · 4.625%
HK$45,668
+HK$2,287/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,762/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,354 · Scale 2, in force from 26 Feb 2026)