LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,711
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,355
−HK$654/mo
Today · 4.125%
HK$22,009
baseline
▲ 0.50% · 4.625%
HK$23,349
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,018/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,040
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,658
−HK$627/mo
Today · 4.125%
HK$24,285
baseline
▲ 0.50% · 4.625%
HK$25,565
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,570/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,853
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,626
−HK$785/mo
Today · 4.125%
HK$26,411
baseline
▲ 0.50% · 4.625%
HK$28,018
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,822/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,648
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,390
−HK$752/mo
Today · 4.125%
HK$29,142
baseline
▲ 0.50% · 4.625%
HK$30,678
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,284/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,995
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,897
−HK$916/mo
Today · 4.125%
HK$30,813
baseline
▲ 0.50% · 4.625%
HK$32,688
+HK$1,875/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,626/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,256
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,122
−HK$877/mo
Today · 4.125%
HK$33,999
baseline
▲ 0.50% · 4.625%
HK$35,791
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,998/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,279
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,439
−HK$1,178/mo
Today · 4.125%
HK$39,617
baseline
▲ 0.50% · 4.625%
HK$42,027
+HK$2,410/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,234/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,473
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,585
−HK$1,128/mo
Today · 4.125%
HK$43,713
baseline
▲ 0.50% · 4.625%
HK$46,017
+HK$2,304/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,426/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,258 · Scale 2, in force from 26 Feb 2026)