LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,577
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,217
−HK$650/mo
Today · 4.125%
HK$21,867
baseline
▲ 0.50% · 4.625%
HK$23,198
+HK$1,331/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$272,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,892
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,506
−HK$622/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$272,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,692
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,460
−HK$781/mo
Today · 4.125%
HK$26,241
baseline
▲ 0.50% · 4.625%
HK$27,838
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,482/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,470
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,207
−HK$747/mo
Today · 4.125%
HK$28,954
baseline
▲ 0.50% · 4.625%
HK$30,480
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,908/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,808
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,704
−HK$910/mo
Today · 4.125%
HK$30,614
baseline
▲ 0.50% · 4.625%
HK$32,477
+HK$1,863/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$272,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,048
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,908
−HK$872/mo
Today · 4.125%
HK$33,780
baseline
▲ 0.50% · 4.625%
HK$35,560
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,560/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,039
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,191
−HK$1,170/mo
Today · 4.125%
HK$39,361
baseline
▲ 0.50% · 4.625%
HK$41,756
+HK$2,395/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,722/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,205
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,310
−HK$1,121/mo
Today · 4.125%
HK$43,431
baseline
▲ 0.50% · 4.625%
HK$45,721
+HK$2,290/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,862/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,398 · Scale 2, in force from 26 Feb 2026)