LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,709
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,353
−HK$655/mo
Today · 4.125%
HK$22,008
baseline
▲ 0.50% · 4.625%
HK$23,347
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,016/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,038
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,656
−HK$627/mo
Today · 4.125%
HK$24,283
baseline
▲ 0.50% · 4.625%
HK$25,563
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,566/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,851
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,624
−HK$785/mo
Today · 4.125%
HK$26,409
baseline
▲ 0.50% · 4.625%
HK$28,016
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,818/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,646
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,388
−HK$752/mo
Today · 4.125%
HK$29,140
baseline
▲ 0.50% · 4.625%
HK$30,676
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,280/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,992
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,894
−HK$917/mo
Today · 4.125%
HK$30,811
baseline
▲ 0.50% · 4.625%
HK$32,685
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,622/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,254
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,119
−HK$877/mo
Today · 4.125%
HK$33,996
baseline
▲ 0.50% · 4.625%
HK$35,788
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,992/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,276
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,435
−HK$1,179/mo
Today · 4.125%
HK$39,614
baseline
▲ 0.50% · 4.625%
HK$42,024
+HK$2,410/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,228/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,469
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,581
−HK$1,129/mo
Today · 4.125%
HK$43,710
baseline
▲ 0.50% · 4.625%
HK$46,014
+HK$2,304/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,420/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,183 · Scale 2, in force from 26 Feb 2026)