LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,740
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,385
−HK$656/mo
Today · 4.125%
HK$22,041
baseline
▲ 0.50% · 4.625%
HK$23,382
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,082/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,073
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,692
−HK$628/mo
Today · 4.125%
HK$24,320
baseline
▲ 0.50% · 4.625%
HK$25,602
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,640/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,888
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,662
−HK$787/mo
Today · 4.125%
HK$26,449
baseline
▲ 0.50% · 4.625%
HK$28,058
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,898/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,688
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,430
−HK$754/mo
Today · 4.125%
HK$29,184
baseline
▲ 0.50% · 4.625%
HK$30,722
+HK$1,538/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,368/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,036
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,939
−HK$918/mo
Today · 4.125%
HK$30,857
baseline
▲ 0.50% · 4.625%
HK$32,735
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,714/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,302
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,169
−HK$879/mo
Today · 4.125%
HK$34,048
baseline
▲ 0.50% · 4.625%
HK$35,842
+HK$1,794/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,096/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,332
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,493
−HK$1,180/mo
Today · 4.125%
HK$39,673
baseline
▲ 0.50% · 4.625%
HK$42,087
+HK$2,414/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,346/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,532
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,646
−HK$1,129/mo
Today · 4.125%
HK$43,775
baseline
▲ 0.50% · 4.625%
HK$46,083
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,550/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,551 · Scale 2, in force from 26 Feb 2026)