LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,592
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,233
−HK$651/mo
Today · 4.125%
HK$21,884
baseline
▲ 0.50% · 4.625%
HK$23,215
+HK$1,331/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,768/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,909
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,523
−HK$623/mo
Today · 4.125%
HK$24,146
baseline
▲ 0.50% · 4.625%
HK$25,419
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,292/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,711
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,479
−HK$781/mo
Today · 4.125%
HK$26,260
baseline
▲ 0.50% · 4.625%
HK$27,858
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,520/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,490
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,228
−HK$748/mo
Today · 4.125%
HK$28,976
baseline
▲ 0.50% · 4.625%
HK$30,503
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,952/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,829
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,726
−HK$911/mo
Today · 4.125%
HK$30,637
baseline
▲ 0.50% · 4.625%
HK$32,501
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,274/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,072
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,932
−HK$873/mo
Today · 4.125%
HK$33,805
baseline
▲ 0.50% · 4.625%
HK$35,587
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,610/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,066
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,219
−HK$1,171/mo
Today · 4.125%
HK$39,390
baseline
▲ 0.50% · 4.625%
HK$41,787
+HK$2,397/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,780/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,236
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,342
−HK$1,121/mo
Today · 4.125%
HK$43,463
baseline
▲ 0.50% · 4.625%
HK$45,754
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,926/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,068 · Scale 2, in force from 26 Feb 2026)