LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,762
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,408
−HK$656/mo
Today · 4.125%
HK$22,064
baseline
▲ 0.50% · 4.625%
HK$23,407
+HK$1,343/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$44,128/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,098
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,717
−HK$629/mo
Today · 4.125%
HK$24,346
baseline
▲ 0.50% · 4.625%
HK$25,629
+HK$1,283/mo
Deposit HK$4.55M · loan HK$4.55M · min. income ≈ HK$48,692/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$280,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,915
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,690
−HK$787/mo
Today · 4.125%
HK$26,477
baseline
▲ 0.50% · 4.625%
HK$28,088
+HK$1,611/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$52,954/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,717
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,461
−HK$754/mo
Today · 4.125%
HK$29,215
baseline
▲ 0.50% · 4.625%
HK$30,755
+HK$1,540/mo
Deposit HK$3.64M · loan HK$5.46M · min. income ≈ HK$58,430/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$280,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,067
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,971
−HK$919/mo
Today · 4.125%
HK$30,890
baseline
▲ 0.50% · 4.625%
HK$32,770
+HK$1,880/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$61,780/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,337
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,204
−HK$880/mo
Today · 4.125%
HK$34,084
baseline
▲ 0.50% · 4.625%
HK$35,881
+HK$1,797/mo
Deposit HK$2.73M · loan HK$6.37M · min. income ≈ HK$68,168/mo (50% DSR)
Upfront cash ≈ HK$3.01M (deposit + AVD stamp duty HK$280,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,372
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,535
−HK$1,181/mo
Today · 4.125%
HK$39,716
baseline
▲ 0.50% · 4.625%
HK$42,132
+HK$2,416/mo
Deposit HK$911K · loan HK$8.19M · min. income ≈ HK$79,432/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,576
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,691
−HK$1,131/mo
Today · 4.125%
HK$43,822
baseline
▲ 0.50% · 4.625%
HK$46,132
+HK$2,310/mo
Deposit HK$911K · loan HK$8.19M · min. income ≈ HK$87,644/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$280,526 · Scale 2, in force from 26 Feb 2026)