LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,779
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,425
−HK$657/mo
Today · 4.125%
HK$22,082
baseline
▲ 0.50% · 4.625%
HK$23,426
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,164/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,116
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,736
−HK$629/mo
Today · 4.125%
HK$24,365
baseline
▲ 0.50% · 4.625%
HK$25,650
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,730/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,935
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,710
−HK$788/mo
Today · 4.125%
HK$26,498
baseline
▲ 0.50% · 4.625%
HK$28,111
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$52,996/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,740
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,484
−HK$754/mo
Today · 4.125%
HK$29,238
baseline
▲ 0.50% · 4.625%
HK$30,779
+HK$1,541/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,476/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,090
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$29,995
−HK$920/mo
Today · 4.125%
HK$30,915
baseline
▲ 0.50% · 4.625%
HK$32,796
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,830/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,363
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,231
−HK$880/mo
Today · 4.125%
HK$34,111
baseline
▲ 0.50% · 4.625%
HK$35,909
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,222/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,402
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,565
−HK$1,182/mo
Today · 4.125%
HK$39,747
baseline
▲ 0.50% · 4.625%
HK$42,166
+HK$2,419/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,494/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,609
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,725
−HK$1,132/mo
Today · 4.125%
HK$43,857
baseline
▲ 0.50% · 4.625%
HK$46,169
+HK$2,312/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,714/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,252 · Scale 2, in force from 26 Feb 2026)