LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,724
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,368
−HK$655/mo
Today · 4.125%
HK$22,023
baseline
▲ 0.50% · 4.625%
HK$23,363
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,046/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,055
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,673
−HK$627/mo
Today · 4.125%
HK$24,300
baseline
▲ 0.50% · 4.625%
HK$25,581
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,600/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,868
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,642
−HK$786/mo
Today · 4.125%
HK$26,428
baseline
▲ 0.50% · 4.625%
HK$28,036
+HK$1,608/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,856/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,666
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,408
−HK$752/mo
Today · 4.125%
HK$29,160
baseline
▲ 0.50% · 4.625%
HK$30,697
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,320/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,013
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,915
−HK$917/mo
Today · 4.125%
HK$30,832
baseline
▲ 0.50% · 4.625%
HK$32,708
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,664/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,277
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,142
−HK$878/mo
Today · 4.125%
HK$34,020
baseline
▲ 0.50% · 4.625%
HK$35,814
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,040/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,302
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,463
−HK$1,179/mo
Today · 4.125%
HK$39,642
baseline
▲ 0.50% · 4.625%
HK$42,054
+HK$2,412/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,284/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,498
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,611
−HK$1,130/mo
Today · 4.125%
HK$43,741
baseline
▲ 0.50% · 4.625%
HK$46,046
+HK$2,305/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,482/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,825 · Scale 2, in force from 26 Feb 2026)