LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,591
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,231
−HK$651/mo
Today · 4.125%
HK$21,882
baseline
▲ 0.50% · 4.625%
HK$23,213
+HK$1,331/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,764/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,907
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,521
−HK$624/mo
Today · 4.125%
HK$24,145
baseline
▲ 0.50% · 4.625%
HK$25,417
+HK$1,272/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,290/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,709
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,478
−HK$780/mo
Today · 4.125%
HK$26,258
baseline
▲ 0.50% · 4.625%
HK$27,856
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,516/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,488
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,226
−HK$748/mo
Today · 4.125%
HK$28,974
baseline
▲ 0.50% · 4.625%
HK$30,501
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,948/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,827
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,724
−HK$911/mo
Today · 4.125%
HK$30,635
baseline
▲ 0.50% · 4.625%
HK$32,499
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,270/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,070
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,930
−HK$873/mo
Today · 4.125%
HK$33,803
baseline
▲ 0.50% · 4.625%
HK$35,584
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,606/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,063
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,216
−HK$1,172/mo
Today · 4.125%
HK$39,388
baseline
▲ 0.50% · 4.625%
HK$41,784
+HK$2,396/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,776/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,233
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,339
−HK$1,121/mo
Today · 4.125%
HK$43,460
baseline
▲ 0.50% · 4.625%
HK$45,751
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,920/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,004 · Scale 2, in force from 26 Feb 2026)