LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,705
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,349
−HK$654/mo
Today · 4.125%
HK$22,003
baseline
▲ 0.50% · 4.625%
HK$23,342
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,006/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,034
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,652
−HK$626/mo
Today · 4.125%
HK$24,278
baseline
▲ 0.50% · 4.625%
HK$25,558
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,556/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,846
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,618
−HK$786/mo
Today · 4.125%
HK$26,404
baseline
▲ 0.50% · 4.625%
HK$28,010
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,808/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,641
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,382
−HK$752/mo
Today · 4.125%
HK$29,134
baseline
▲ 0.50% · 4.625%
HK$30,670
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,268/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,987
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,888
−HK$916/mo
Today · 4.125%
HK$30,804
baseline
▲ 0.50% · 4.625%
HK$32,679
+HK$1,875/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,608/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,247
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,112
−HK$877/mo
Today · 4.125%
HK$33,989
baseline
▲ 0.50% · 4.625%
HK$35,781
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,978/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,268
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,428
−HK$1,177/mo
Today · 4.125%
HK$39,605
baseline
▲ 0.50% · 4.625%
HK$42,015
+HK$2,410/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,210/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,461
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,573
−HK$1,128/mo
Today · 4.125%
HK$43,701
baseline
▲ 0.50% · 4.625%
HK$46,004
+HK$2,303/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,402/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,999 · Scale 2, in force from 26 Feb 2026)