LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,659
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,302
−HK$653/mo
Today · 4.125%
HK$21,955
baseline
▲ 0.50% · 4.625%
HK$23,290
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,910/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$275,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,983
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,599
−HK$626/mo
Today · 4.125%
HK$24,225
baseline
▲ 0.50% · 4.625%
HK$25,502
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,450/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$275,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,791
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,562
−HK$783/mo
Today · 4.125%
HK$26,345
baseline
▲ 0.50% · 4.625%
HK$27,948
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,690/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,580
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,319
−HK$751/mo
Today · 4.125%
HK$29,070
baseline
▲ 0.50% · 4.625%
HK$30,602
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,140/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,923
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,822
−HK$914/mo
Today · 4.125%
HK$30,736
baseline
▲ 0.50% · 4.625%
HK$32,607
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,472/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,176
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,039
−HK$875/mo
Today · 4.125%
HK$33,914
baseline
▲ 0.50% · 4.625%
HK$35,702
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,828/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,186
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,343
−HK$1,175/mo
Today · 4.125%
HK$39,518
baseline
▲ 0.50% · 4.625%
HK$41,923
+HK$2,405/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,036/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,369
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,479
−HK$1,125/mo
Today · 4.125%
HK$43,604
baseline
▲ 0.50% · 4.625%
HK$45,903
+HK$2,299/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,208/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,995 · Scale 2, in force from 26 Feb 2026)