LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,687
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,330
−HK$654/mo
Today · 4.125%
HK$21,984
baseline
▲ 0.50% · 4.625%
HK$23,322
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,968/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,014
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,631
−HK$626/mo
Today · 4.125%
HK$24,257
baseline
▲ 0.50% · 4.625%
HK$25,536
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,514/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,824
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,596
−HK$785/mo
Today · 4.125%
HK$26,381
baseline
▲ 0.50% · 4.625%
HK$27,986
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,762/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,617
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,357
−HK$752/mo
Today · 4.125%
HK$29,109
baseline
▲ 0.50% · 4.625%
HK$30,643
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,218/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,962
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,863
−HK$915/mo
Today · 4.125%
HK$30,778
baseline
▲ 0.50% · 4.625%
HK$32,651
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,556/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,220
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,084
−HK$876/mo
Today · 4.125%
HK$33,960
baseline
▲ 0.50% · 4.625%
HK$35,750
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,920/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,236
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,395
−HK$1,177/mo
Today · 4.125%
HK$39,572
baseline
▲ 0.50% · 4.625%
HK$41,979
+HK$2,407/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,144/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,425
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,536
−HK$1,127/mo
Today · 4.125%
HK$43,663
baseline
▲ 0.50% · 4.625%
HK$45,965
+HK$2,302/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,326/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,219 · Scale 2, in force from 26 Feb 2026)