LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,623
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,265
−HK$651/mo
Today · 4.125%
HK$21,916
baseline
▲ 0.50% · 4.625%
HK$23,250
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,832/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,943
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,558
−HK$625/mo
Today · 4.125%
HK$24,183
baseline
▲ 0.50% · 4.625%
HK$25,457
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,366/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,748
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,518
−HK$782/mo
Today · 4.125%
HK$26,300
baseline
▲ 0.50% · 4.625%
HK$27,900
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,600/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,532
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,270
−HK$749/mo
Today · 4.125%
HK$29,019
baseline
▲ 0.50% · 4.625%
HK$30,549
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,038/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,872
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,770
−HK$913/mo
Today · 4.125%
HK$30,683
baseline
▲ 0.50% · 4.625%
HK$32,550
+HK$1,867/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,366/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,120
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,982
−HK$874/mo
Today · 4.125%
HK$33,856
baseline
▲ 0.50% · 4.625%
HK$35,640
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,712/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,122
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,276
−HK$1,174/mo
Today · 4.125%
HK$39,450
baseline
▲ 0.50% · 4.625%
HK$41,850
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,900/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,297
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,405
−HK$1,124/mo
Today · 4.125%
HK$43,529
baseline
▲ 0.50% · 4.625%
HK$45,823
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,058/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,422 · Scale 2, in force from 26 Feb 2026)