LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,732
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,377
−HK$655/mo
Today · 4.125%
HK$22,032
baseline
▲ 0.50% · 4.625%
HK$23,373
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,064/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,064
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,683
−HK$627/mo
Today · 4.125%
HK$24,310
baseline
▲ 0.50% · 4.625%
HK$25,592
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,620/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,879
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,653
−HK$786/mo
Today · 4.125%
HK$26,439
baseline
▲ 0.50% · 4.625%
HK$28,047
+HK$1,608/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,878/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,677
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,420
−HK$753/mo
Today · 4.125%
HK$29,173
baseline
▲ 0.50% · 4.625%
HK$30,710
+HK$1,537/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,346/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,025
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,928
−HK$917/mo
Today · 4.125%
HK$30,845
baseline
▲ 0.50% · 4.625%
HK$32,722
+HK$1,877/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$61,690/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,290
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,156
−HK$879/mo
Today · 4.125%
HK$34,035
baseline
▲ 0.50% · 4.625%
HK$35,829
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.36M · min. income ≈ HK$68,070/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,318
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,479
−HK$1,179/mo
Today · 4.125%
HK$39,658
baseline
▲ 0.50% · 4.625%
HK$42,071
+HK$2,413/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$79,316/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,516
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,629
−HK$1,130/mo
Today · 4.125%
HK$43,759
baseline
▲ 0.50% · 4.625%
HK$46,065
+HK$2,306/mo
Deposit HK$909K · loan HK$8.18M · min. income ≈ HK$87,518/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,205 · Scale 2, in force from 26 Feb 2026)