LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,758
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,403
−HK$656/mo
Today · 4.125%
HK$22,059
baseline
▲ 0.50% · 4.625%
HK$23,402
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,118/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,093
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,712
−HK$628/mo
Today · 4.125%
HK$24,340
baseline
▲ 0.50% · 4.625%
HK$25,623
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,680/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,909
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,684
−HK$787/mo
Today · 4.125%
HK$26,471
baseline
▲ 0.50% · 4.625%
HK$28,082
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,942/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,711
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,455
−HK$754/mo
Today · 4.125%
HK$29,209
baseline
▲ 0.50% · 4.625%
HK$30,748
+HK$1,539/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,418/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,061
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,965
−HK$918/mo
Today · 4.125%
HK$30,883
baseline
▲ 0.50% · 4.625%
HK$32,762
+HK$1,879/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,766/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,330
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,197
−HK$880/mo
Today · 4.125%
HK$34,077
baseline
▲ 0.50% · 4.625%
HK$35,873
+HK$1,796/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,154/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,364
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,526
−HK$1,181/mo
Today · 4.125%
HK$39,707
baseline
▲ 0.50% · 4.625%
HK$42,123
+HK$2,416/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$79,414/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,567
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,682
−HK$1,131/mo
Today · 4.125%
HK$43,813
baseline
▲ 0.50% · 4.625%
HK$46,122
+HK$2,309/mo
Deposit HK$910K · loan HK$8.19M · min. income ≈ HK$87,626/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,326 · Scale 2, in force from 26 Feb 2026)