LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,747
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,392
−HK$656/mo
Today · 4.125%
HK$22,048
baseline
▲ 0.50% · 4.625%
HK$23,389
+HK$1,341/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,096/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,081
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,700
−HK$628/mo
Today · 4.125%
HK$24,328
baseline
▲ 0.50% · 4.625%
HK$25,610
+HK$1,282/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,656/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$279,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,896
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,671
−HK$787/mo
Today · 4.125%
HK$26,458
baseline
▲ 0.50% · 4.625%
HK$28,067
+HK$1,609/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,916/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,697
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,440
−HK$753/mo
Today · 4.125%
HK$29,193
baseline
▲ 0.50% · 4.625%
HK$30,732
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,386/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$279,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,046
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,949
−HK$918/mo
Today · 4.125%
HK$30,867
baseline
▲ 0.50% · 4.625%
HK$32,745
+HK$1,878/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,734/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,313
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,180
−HK$879/mo
Today · 4.125%
HK$34,059
baseline
▲ 0.50% · 4.625%
HK$35,854
+HK$1,795/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,118/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$279,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,344
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,506
−HK$1,180/mo
Today · 4.125%
HK$39,686
baseline
▲ 0.50% · 4.625%
HK$42,101
+HK$2,415/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,372/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,545
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,660
−HK$1,130/mo
Today · 4.125%
HK$43,790
baseline
▲ 0.50% · 4.625%
HK$46,098
+HK$2,308/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,580/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$279,851 · Scale 2, in force from 26 Feb 2026)