LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,695
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,338
−HK$654/mo
Today · 4.125%
HK$21,992
baseline
▲ 0.50% · 4.625%
HK$23,331
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,984/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,023
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,640
−HK$627/mo
Today · 4.125%
HK$24,267
baseline
▲ 0.50% · 4.625%
HK$25,546
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,534/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,834
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,606
−HK$785/mo
Today · 4.125%
HK$26,391
baseline
▲ 0.50% · 4.625%
HK$27,997
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,782/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,627
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,368
−HK$752/mo
Today · 4.125%
HK$29,120
baseline
▲ 0.50% · 4.625%
HK$30,655
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,240/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,973
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,874
−HK$915/mo
Today · 4.125%
HK$30,789
baseline
▲ 0.50% · 4.625%
HK$32,663
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,578/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,232
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,096
−HK$877/mo
Today · 4.125%
HK$33,973
baseline
▲ 0.50% · 4.625%
HK$35,764
+HK$1,791/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,946/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,251
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,409
−HK$1,177/mo
Today · 4.125%
HK$39,586
baseline
▲ 0.50% · 4.625%
HK$41,995
+HK$2,409/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,172/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,441
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,552
−HK$1,128/mo
Today · 4.125%
HK$43,680
baseline
▲ 0.50% · 4.625%
HK$45,982
+HK$2,302/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,360/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,562 · Scale 2, in force from 26 Feb 2026)