LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,576
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,216
−HK$650/mo
Today · 4.125%
HK$21,866
baseline
▲ 0.50% · 4.625%
HK$23,197
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,732/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,891
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,505
−HK$622/mo
Today · 4.125%
HK$24,127
baseline
▲ 0.50% · 4.625%
HK$25,399
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,254/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,691
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,459
−HK$781/mo
Today · 4.125%
HK$26,240
baseline
▲ 0.50% · 4.625%
HK$27,836
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,480/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,469
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,206
−HK$747/mo
Today · 4.125%
HK$28,953
baseline
▲ 0.50% · 4.625%
HK$30,479
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,906/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,807
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,703
−HK$910/mo
Today · 4.125%
HK$30,613
baseline
▲ 0.50% · 4.625%
HK$32,476
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,226/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,047
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,906
−HK$872/mo
Today · 4.125%
HK$33,778
baseline
▲ 0.50% · 4.625%
HK$35,559
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,556/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,037
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,189
−HK$1,170/mo
Today · 4.125%
HK$39,359
baseline
▲ 0.50% · 4.625%
HK$41,754
+HK$2,395/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,718/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,203
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,308
−HK$1,121/mo
Today · 4.125%
HK$43,429
baseline
▲ 0.50% · 4.625%
HK$45,719
+HK$2,290/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,858/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,358 · Scale 2, in force from 26 Feb 2026)