LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,702
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,346
−HK$654/mo
Today · 4.125%
HK$22,000
baseline
▲ 0.50% · 4.625%
HK$23,339
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,000/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,031
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,648
−HK$627/mo
Today · 4.125%
HK$24,275
baseline
▲ 0.50% · 4.625%
HK$25,555
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,550/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,842
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,615
−HK$785/mo
Today · 4.125%
HK$26,400
baseline
▲ 0.50% · 4.625%
HK$28,007
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,800/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,637
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,378
−HK$752/mo
Today · 4.125%
HK$29,130
baseline
▲ 0.50% · 4.625%
HK$30,666
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,260/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,983
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,884
−HK$916/mo
Today · 4.125%
HK$30,800
baseline
▲ 0.50% · 4.625%
HK$32,674
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,600/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,243
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,108
−HK$877/mo
Today · 4.125%
HK$33,985
baseline
▲ 0.50% · 4.625%
HK$35,777
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,970/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,264
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,423
−HK$1,177/mo
Today · 4.125%
HK$39,600
baseline
▲ 0.50% · 4.625%
HK$42,010
+HK$2,410/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,200/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,455
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,567
−HK$1,128/mo
Today · 4.125%
HK$43,695
baseline
▲ 0.50% · 4.625%
HK$45,998
+HK$2,303/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,390/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,883 · Scale 2, in force from 26 Feb 2026)