LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,680
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,323
−HK$653/mo
Today · 4.125%
HK$21,976
baseline
▲ 0.50% · 4.625%
HK$23,314
+HK$1,338/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,952/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,006
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,623
−HK$626/mo
Today · 4.125%
HK$24,249
baseline
▲ 0.50% · 4.625%
HK$25,527
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,498/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,815
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,587
−HK$785/mo
Today · 4.125%
HK$26,372
baseline
▲ 0.50% · 4.625%
HK$27,976
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,744/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,607
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,347
−HK$751/mo
Today · 4.125%
HK$29,098
baseline
▲ 0.50% · 4.625%
HK$30,632
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,196/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,951
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,852
−HK$915/mo
Today · 4.125%
HK$30,767
baseline
▲ 0.50% · 4.625%
HK$32,639
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,534/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,208
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,072
−HK$876/mo
Today · 4.125%
HK$33,948
baseline
▲ 0.50% · 4.625%
HK$35,738
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,896/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,223
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,381
−HK$1,176/mo
Today · 4.125%
HK$39,557
baseline
▲ 0.50% · 4.625%
HK$41,964
+HK$2,407/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,114/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,410
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,521
−HK$1,127/mo
Today · 4.125%
HK$43,648
baseline
▲ 0.50% · 4.625%
HK$45,948
+HK$2,300/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,296/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,895 · Scale 2, in force from 26 Feb 2026)