LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,676
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,319
−HK$654/mo
Today · 4.125%
HK$21,973
baseline
▲ 0.50% · 4.625%
HK$23,309
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,946/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,002
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,619
−HK$625/mo
Today · 4.125%
HK$24,244
baseline
▲ 0.50% · 4.625%
HK$25,522
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,488/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,811
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,583
−HK$784/mo
Today · 4.125%
HK$26,367
baseline
▲ 0.50% · 4.625%
HK$27,971
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,734/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,602
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,342
−HK$751/mo
Today · 4.125%
HK$29,093
baseline
▲ 0.50% · 4.625%
HK$30,627
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,186/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,946
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,847
−HK$915/mo
Today · 4.125%
HK$30,762
baseline
▲ 0.50% · 4.625%
HK$32,633
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,524/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,202
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,066
−HK$876/mo
Today · 4.125%
HK$33,942
baseline
▲ 0.50% · 4.625%
HK$35,731
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,884/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,217
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,374
−HK$1,177/mo
Today · 4.125%
HK$39,551
baseline
▲ 0.50% · 4.625%
HK$41,957
+HK$2,406/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,102/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,403
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,514
−HK$1,126/mo
Today · 4.125%
HK$43,640
baseline
▲ 0.50% · 4.625%
HK$45,940
+HK$2,300/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,280/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,738 · Scale 2, in force from 26 Feb 2026)