LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,731
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$655/mo
Today · 4.125%
HK$22,031
baseline
▲ 0.50% · 4.625%
HK$23,372
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,062/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,063
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,682
−HK$627/mo
Today · 4.125%
HK$24,309
baseline
▲ 0.50% · 4.625%
HK$25,591
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,618/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$279,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,878
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,651
−HK$787/mo
Today · 4.125%
HK$26,438
baseline
▲ 0.50% · 4.625%
HK$28,046
+HK$1,608/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$52,876/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,676
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,418
−HK$753/mo
Today · 4.125%
HK$29,171
baseline
▲ 0.50% · 4.625%
HK$30,709
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.45M · min. income ≈ HK$58,342/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,024
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,927
−HK$917/mo
Today · 4.125%
HK$30,844
baseline
▲ 0.50% · 4.625%
HK$32,721
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,688/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,289
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,155
−HK$878/mo
Today · 4.125%
HK$34,033
baseline
▲ 0.50% · 4.625%
HK$35,827
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,066/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,316
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,477
−HK$1,179/mo
Today · 4.125%
HK$39,656
baseline
▲ 0.50% · 4.625%
HK$42,069
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,312/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,514
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,627
−HK$1,130/mo
Today · 4.125%
HK$43,757
baseline
▲ 0.50% · 4.625%
HK$46,063
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,514/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,166 · Scale 2, in force from 26 Feb 2026)