LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,754
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$655/mo
Today · 4.125%
HK$22,055
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,110/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,089
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,708
−HK$628/mo
Today · 4.125%
HK$24,336
baseline
▲ 0.50% · 4.625%
HK$25,619
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,672/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,905
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,680
−HK$787/mo
Today · 4.125%
HK$26,467
baseline
▲ 0.50% · 4.625%
HK$28,077
+HK$1,610/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,934/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,706
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,449
−HK$754/mo
Today · 4.125%
HK$29,203
baseline
▲ 0.50% · 4.625%
HK$30,743
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,406/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,056
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,959
−HK$919/mo
Today · 4.125%
HK$30,878
baseline
▲ 0.50% · 4.625%
HK$32,757
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,756/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,324
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,191
−HK$879/mo
Today · 4.125%
HK$34,070
baseline
▲ 0.50% · 4.625%
HK$35,866
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,140/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,357
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,519
−HK$1,181/mo
Today · 4.125%
HK$39,700
baseline
▲ 0.50% · 4.625%
HK$42,116
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,400/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,560
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,674
−HK$1,131/mo
Today · 4.125%
HK$43,805
baseline
▲ 0.50% · 4.625%
HK$46,114
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,610/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,162 · Scale 2, in force from 26 Feb 2026)