LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,691
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,335
−HK$654/mo
Today · 4.125%
HK$21,989
baseline
▲ 0.50% · 4.625%
HK$23,327
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,978/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,019
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,636
−HK$626/mo
Today · 4.125%
HK$24,262
baseline
▲ 0.50% · 4.625%
HK$25,541
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,524/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,829
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,602
−HK$784/mo
Today · 4.125%
HK$26,386
baseline
▲ 0.50% · 4.625%
HK$27,992
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,772/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,622
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,363
−HK$752/mo
Today · 4.125%
HK$29,115
baseline
▲ 0.50% · 4.625%
HK$30,649
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,230/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,968
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,869
−HK$915/mo
Today · 4.125%
HK$30,784
baseline
▲ 0.50% · 4.625%
HK$32,657
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,568/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,226
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,090
−HK$877/mo
Today · 4.125%
HK$33,967
baseline
▲ 0.50% · 4.625%
HK$35,758
+HK$1,791/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,934/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,244
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,403
−HK$1,177/mo
Today · 4.125%
HK$39,580
baseline
▲ 0.50% · 4.625%
HK$41,988
+HK$2,408/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$79,160/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,434
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,545
−HK$1,127/mo
Today · 4.125%
HK$43,672
baseline
▲ 0.50% · 4.625%
HK$45,974
+HK$2,302/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$87,344/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,405 · Scale 2, in force from 26 Feb 2026)