LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,725
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,369
−HK$655/mo
Today · 4.125%
HK$22,024
baseline
▲ 0.50% · 4.625%
HK$23,364
+HK$1,340/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,048/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,056
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,674
−HK$628/mo
Today · 4.125%
HK$24,302
baseline
▲ 0.50% · 4.625%
HK$25,583
+HK$1,281/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,604/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$278,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,870
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,643
−HK$786/mo
Today · 4.125%
HK$26,429
baseline
▲ 0.50% · 4.625%
HK$28,037
+HK$1,608/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,858/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,667
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,409
−HK$753/mo
Today · 4.125%
HK$29,162
baseline
▲ 0.50% · 4.625%
HK$30,699
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,324/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$278,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,014
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,917
−HK$917/mo
Today · 4.125%
HK$30,834
baseline
▲ 0.50% · 4.625%
HK$32,710
+HK$1,876/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,668/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,278
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,144
−HK$878/mo
Today · 4.125%
HK$34,022
baseline
▲ 0.50% · 4.625%
HK$35,816
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,044/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$278,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,304
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,465
−HK$1,179/mo
Today · 4.125%
HK$39,644
baseline
▲ 0.50% · 4.625%
HK$42,056
+HK$2,412/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,288/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,501
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,614
−HK$1,129/mo
Today · 4.125%
HK$43,743
baseline
▲ 0.50% · 4.625%
HK$46,049
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,486/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$278,874 · Scale 2, in force from 26 Feb 2026)