LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,685
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,328
−HK$654/mo
Today · 4.125%
HK$21,982
baseline
▲ 0.50% · 4.625%
HK$23,319
+HK$1,337/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,964/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,011
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,628
−HK$627/mo
Today · 4.125%
HK$24,255
baseline
▲ 0.50% · 4.625%
HK$25,533
+HK$1,278/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,510/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,821
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,594
−HK$784/mo
Today · 4.125%
HK$26,378
baseline
▲ 0.50% · 4.625%
HK$27,983
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,756/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,614
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,354
−HK$751/mo
Today · 4.125%
HK$29,105
baseline
▲ 0.50% · 4.625%
HK$30,640
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,210/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,958
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,859
−HK$915/mo
Today · 4.125%
HK$30,774
baseline
▲ 0.50% · 4.625%
HK$32,647
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,548/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,216
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,080
−HK$876/mo
Today · 4.125%
HK$33,956
baseline
▲ 0.50% · 4.625%
HK$35,746
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,912/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,232
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,390
−HK$1,177/mo
Today · 4.125%
HK$39,567
baseline
▲ 0.50% · 4.625%
HK$41,975
+HK$2,408/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,134/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,420
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,531
−HK$1,127/mo
Today · 4.125%
HK$43,658
baseline
▲ 0.50% · 4.625%
HK$45,960
+HK$2,302/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,316/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,115 · Scale 2, in force from 26 Feb 2026)