LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,714
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,358
−HK$655/mo
Today · 4.125%
HK$22,013
baseline
▲ 0.50% · 4.625%
HK$23,352
+HK$1,339/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,026/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,044
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,662
−HK$627/mo
Today · 4.125%
HK$24,289
baseline
▲ 0.50% · 4.625%
HK$25,569
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,578/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,856
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,630
−HK$785/mo
Today · 4.125%
HK$26,415
baseline
▲ 0.50% · 4.625%
HK$28,022
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,830/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,652
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,394
−HK$752/mo
Today · 4.125%
HK$29,146
baseline
▲ 0.50% · 4.625%
HK$30,683
+HK$1,537/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,292/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,999
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,901
−HK$917/mo
Today · 4.125%
HK$30,818
baseline
▲ 0.50% · 4.625%
HK$32,693
+HK$1,875/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,636/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,261
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,126
−HK$878/mo
Today · 4.125%
HK$34,004
baseline
▲ 0.50% · 4.625%
HK$35,797
+HK$1,793/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,008/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$278,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,285
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,444
−HK$1,179/mo
Today · 4.125%
HK$39,623
baseline
▲ 0.50% · 4.625%
HK$42,034
+HK$2,411/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$79,246/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,479
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,591
−HK$1,129/mo
Today · 4.125%
HK$43,720
baseline
▲ 0.50% · 4.625%
HK$46,024
+HK$2,304/mo
Deposit HK$908K · loan HK$8.18M · min. income ≈ HK$87,440/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,392 · Scale 2, in force from 26 Feb 2026)