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$23,195
+HK$1,331/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$272,268 · 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$25,397
+HK$1,272/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$272,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,689
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,457
−HK$780/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$272,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,466
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,203
−HK$747/mo
Today · 4.125%
HK$28,950
baseline
▲ 0.50% · 4.625%
HK$30,476
+HK$1,526/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$272,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,804
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,700
−HK$910/mo
Today · 4.125%
HK$30,610
baseline
▲ 0.50% · 4.625%
HK$32,472
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,220/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,044
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,903
−HK$872/mo
Today · 4.125%
HK$33,775
baseline
▲ 0.50% · 4.625%
HK$35,555
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,550/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,033
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,185
−HK$1,171/mo
Today · 4.125%
HK$39,356
baseline
▲ 0.50% · 4.625%
HK$41,750
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,712/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,199
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,304
−HK$1,121/mo
Today · 4.125%
HK$43,425
baseline
▲ 0.50% · 4.625%
HK$45,714
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,850/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,268 · Scale 2, in force from 26 Feb 2026)