LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,698
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,342
−HK$654/mo
Today · 4.125%
HK$21,996
baseline
▲ 0.50% · 4.625%
HK$23,334
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,992/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,026
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,644
−HK$626/mo
Today · 4.125%
HK$24,270
baseline
▲ 0.50% · 4.625%
HK$25,550
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,540/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,838
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,610
−HK$785/mo
Today · 4.125%
HK$26,395
baseline
▲ 0.50% · 4.625%
HK$28,001
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,790/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,632
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,373
−HK$752/mo
Today · 4.125%
HK$29,125
baseline
▲ 0.50% · 4.625%
HK$30,660
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,250/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,977
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,879
−HK$915/mo
Today · 4.125%
HK$30,794
baseline
▲ 0.50% · 4.625%
HK$32,668
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,588/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,237
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,102
−HK$877/mo
Today · 4.125%
HK$33,979
baseline
▲ 0.50% · 4.625%
HK$35,770
+HK$1,791/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,958/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,256
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,415
−HK$1,178/mo
Today · 4.125%
HK$39,593
baseline
▲ 0.50% · 4.625%
HK$42,002
+HK$2,409/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,186/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,447
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,559
−HK$1,128/mo
Today · 4.125%
HK$43,687
baseline
▲ 0.50% · 4.625%
HK$45,990
+HK$2,303/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,374/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,708 · Scale 2, in force from 26 Feb 2026)