LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,570
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,209
−HK$650/mo
Today · 4.125%
HK$21,859
baseline
▲ 0.50% · 4.625%
HK$23,190
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,718/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,883
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,497
−HK$623/mo
Today · 4.125%
HK$24,120
baseline
▲ 0.50% · 4.625%
HK$25,391
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,240/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,683
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,451
−HK$780/mo
Today · 4.125%
HK$26,231
baseline
▲ 0.50% · 4.625%
HK$27,827
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,462/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,460
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,197
−HK$747/mo
Today · 4.125%
HK$28,944
baseline
▲ 0.50% · 4.625%
HK$30,469
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,888/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,797
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,693
−HK$910/mo
Today · 4.125%
HK$30,603
baseline
▲ 0.50% · 4.625%
HK$32,465
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,206/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,037
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,896
−HK$872/mo
Today · 4.125%
HK$33,768
baseline
▲ 0.50% · 4.625%
HK$35,548
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,536/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,025
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,177
−HK$1,170/mo
Today · 4.125%
HK$39,347
baseline
▲ 0.50% · 4.625%
HK$41,741
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,694/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,190
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,295
−HK$1,121/mo
Today · 4.125%
HK$43,416
baseline
▲ 0.50% · 4.625%
HK$45,704
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,832/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,072 · Scale 2, in force from 26 Feb 2026)