LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,680
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,323
−HK$654/mo
Today · 4.125%
HK$21,977
baseline
▲ 0.50% · 4.625%
HK$23,314
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,954/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,007
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,624
−HK$625/mo
Today · 4.125%
HK$24,249
baseline
▲ 0.50% · 4.625%
HK$25,528
+HK$1,279/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$276,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,816
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$784/mo
Today · 4.125%
HK$26,372
baseline
▲ 0.50% · 4.625%
HK$27,977
+HK$1,605/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$276,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,608
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,348
−HK$751/mo
Today · 4.125%
HK$29,099
baseline
▲ 0.50% · 4.625%
HK$30,633
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,198/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,952
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,853
−HK$915/mo
Today · 4.125%
HK$30,768
baseline
▲ 0.50% · 4.625%
HK$32,640
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,536/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,209
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,073
−HK$876/mo
Today · 4.125%
HK$33,949
baseline
▲ 0.50% · 4.625%
HK$35,739
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,898/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,224
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,382
−HK$1,177/mo
Today · 4.125%
HK$39,559
baseline
▲ 0.50% · 4.625%
HK$41,966
+HK$2,407/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,118/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,412
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,522
−HK$1,127/mo
Today · 4.125%
HK$43,649
baseline
▲ 0.50% · 4.625%
HK$45,950
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,298/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,924 · Scale 2, in force from 26 Feb 2026)