LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,703
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,347
−HK$655/mo
Today · 4.125%
HK$22,002
baseline
▲ 0.50% · 4.625%
HK$23,341
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,004/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,032
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,650
−HK$627/mo
Today · 4.125%
HK$24,277
baseline
▲ 0.50% · 4.625%
HK$25,556
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,554/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,844
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,617
−HK$785/mo
Today · 4.125%
HK$26,402
baseline
▲ 0.50% · 4.625%
HK$28,009
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,804/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,639
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,380
−HK$752/mo
Today · 4.125%
HK$29,132
baseline
▲ 0.50% · 4.625%
HK$30,668
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,264/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,985
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,886
−HK$916/mo
Today · 4.125%
HK$30,802
baseline
▲ 0.50% · 4.625%
HK$32,677
+HK$1,875/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,604/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,245
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,110
−HK$878/mo
Today · 4.125%
HK$33,988
baseline
▲ 0.50% · 4.625%
HK$35,779
+HK$1,791/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,976/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,266
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,425
−HK$1,178/mo
Today · 4.125%
HK$39,603
baseline
▲ 0.50% · 4.625%
HK$42,013
+HK$2,410/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,206/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,458
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,570
−HK$1,128/mo
Today · 4.125%
HK$43,698
baseline
▲ 0.50% · 4.625%
HK$46,002
+HK$2,304/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,396/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,946 · Scale 2, in force from 26 Feb 2026)