LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,782
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,429
−HK$656/mo
Today · 4.125%
HK$22,085
baseline
▲ 0.50% · 4.625%
HK$23,429
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,170/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,120
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,740
−HK$629/mo
Today · 4.125%
HK$24,369
baseline
▲ 0.50% · 4.625%
HK$25,654
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,738/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,939
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,714
−HK$789/mo
Today · 4.125%
HK$26,503
baseline
▲ 0.50% · 4.625%
HK$28,115
+HK$1,612/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,006/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,744
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,488
−HK$755/mo
Today · 4.125%
HK$29,243
baseline
▲ 0.50% · 4.625%
HK$30,784
+HK$1,541/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,486/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,095
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,000
−HK$920/mo
Today · 4.125%
HK$30,920
baseline
▲ 0.50% · 4.625%
HK$32,801
+HK$1,881/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,840/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,368
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,236
−HK$881/mo
Today · 4.125%
HK$34,117
baseline
▲ 0.50% · 4.625%
HK$35,915
+HK$1,798/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,234/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,408
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,572
−HK$1,182/mo
Today · 4.125%
HK$39,754
baseline
▲ 0.50% · 4.625%
HK$42,173
+HK$2,419/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$79,508/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,616
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,732
−HK$1,132/mo
Today · 4.125%
HK$43,864
baseline
▲ 0.50% · 4.625%
HK$46,177
+HK$2,313/mo
Deposit HK$911K · loan HK$8.20M · min. income ≈ HK$87,728/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,398 · Scale 2, in force from 26 Feb 2026)