LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,660
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,302
−HK$653/mo
Today · 4.125%
HK$21,955
baseline
▲ 0.50% · 4.625%
HK$23,291
+HK$1,336/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$276,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,984
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,600
−HK$626/mo
Today · 4.125%
HK$24,226
baseline
▲ 0.50% · 4.625%
HK$25,503
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,452/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,792
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,563
−HK$783/mo
Today · 4.125%
HK$26,346
baseline
▲ 0.50% · 4.625%
HK$27,950
+HK$1,604/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,692/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,581
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$751/mo
Today · 4.125%
HK$29,071
baseline
▲ 0.50% · 4.625%
HK$30,603
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,142/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,924
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,823
−HK$915/mo
Today · 4.125%
HK$30,738
baseline
▲ 0.50% · 4.625%
HK$32,608
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,476/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,177
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,040
−HK$876/mo
Today · 4.125%
HK$33,916
baseline
▲ 0.50% · 4.625%
HK$35,704
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,832/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,188
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,344
−HK$1,176/mo
Today · 4.125%
HK$39,520
baseline
▲ 0.50% · 4.625%
HK$41,924
+HK$2,404/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,040/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,371
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,480
−HK$1,126/mo
Today · 4.125%
HK$43,606
baseline
▲ 0.50% · 4.625%
HK$45,905
+HK$2,299/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,212/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,030 · Scale 2, in force from 26 Feb 2026)