LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,576
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,217
−HK$650/mo
Today · 4.125%
HK$21,867
baseline
▲ 0.50% · 4.625%
HK$23,197
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,734/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,891
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,505
−HK$623/mo
Today · 4.125%
HK$24,128
baseline
▲ 0.50% · 4.625%
HK$25,400
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,256/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,692
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,460
−HK$780/mo
Today · 4.125%
HK$26,240
baseline
▲ 0.50% · 4.625%
HK$27,837
+HK$1,597/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$272,376 · 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$30,480
+HK$1,527/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$272,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,807
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,703
−HK$911/mo
Today · 4.125%
HK$30,614
baseline
▲ 0.50% · 4.625%
HK$32,476
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,228/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,048
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,907
−HK$872/mo
Today · 4.125%
HK$33,779
baseline
▲ 0.50% · 4.625%
HK$35,560
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,558/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,038
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,190
−HK$1,170/mo
Today · 4.125%
HK$39,360
baseline
▲ 0.50% · 4.625%
HK$41,755
+HK$2,395/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,720/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,204
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,309
−HK$1,121/mo
Today · 4.125%
HK$43,430
baseline
▲ 0.50% · 4.625%
HK$45,719
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,860/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,376 · Scale 2, in force from 26 Feb 2026)