LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,574
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,214
−HK$650/mo
Today · 4.125%
HK$21,864
baseline
▲ 0.50% · 4.625%
HK$23,194
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,728/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,888
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,502
−HK$623/mo
Today · 4.125%
HK$24,125
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,250/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,688
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,456
−HK$781/mo
Today · 4.125%
HK$26,237
baseline
▲ 0.50% · 4.625%
HK$27,833
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,474/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,466
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,202
−HK$748/mo
Today · 4.125%
HK$28,950
baseline
▲ 0.50% · 4.625%
HK$30,475
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,900/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,803
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,699
−HK$910/mo
Today · 4.125%
HK$30,609
baseline
▲ 0.50% · 4.625%
HK$32,472
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,218/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,043
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,903
−HK$871/mo
Today · 4.125%
HK$33,774
baseline
▲ 0.50% · 4.625%
HK$35,555
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,548/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,033
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,185
−HK$1,170/mo
Today · 4.125%
HK$39,355
baseline
▲ 0.50% · 4.625%
HK$41,750
+HK$2,395/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,710/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,198
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,303
−HK$1,121/mo
Today · 4.125%
HK$43,424
baseline
▲ 0.50% · 4.625%
HK$45,713
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,848/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,253 · Scale 2, in force from 26 Feb 2026)