LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,696
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,340
−HK$654/mo
Today · 4.125%
HK$21,994
baseline
▲ 0.50% · 4.625%
HK$23,332
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,988/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,024
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,641
−HK$627/mo
Today · 4.125%
HK$24,268
baseline
▲ 0.50% · 4.625%
HK$25,547
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,536/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,835
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,608
−HK$784/mo
Today · 4.125%
HK$26,392
baseline
▲ 0.50% · 4.625%
HK$27,998
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,784/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,629
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,370
−HK$751/mo
Today · 4.125%
HK$29,121
baseline
▲ 0.50% · 4.625%
HK$30,656
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,242/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,974
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,875
−HK$916/mo
Today · 4.125%
HK$30,791
baseline
▲ 0.50% · 4.625%
HK$32,665
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,582/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,234
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,098
−HK$877/mo
Today · 4.125%
HK$33,975
baseline
▲ 0.50% · 4.625%
HK$35,766
+HK$1,791/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,950/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,253
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,411
−HK$1,178/mo
Today · 4.125%
HK$39,589
baseline
▲ 0.50% · 4.625%
HK$41,997
+HK$2,408/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,178/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,443
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,555
−HK$1,127/mo
Today · 4.125%
HK$43,682
baseline
▲ 0.50% · 4.625%
HK$45,985
+HK$2,303/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,364/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,611 · Scale 2, in force from 26 Feb 2026)