LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,786
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,432
−HK$657/mo
Today · 4.125%
HK$22,089
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,344/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,178/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,124
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$629/mo
Today · 4.125%
HK$24,373
baseline
▲ 0.50% · 4.625%
HK$25,658
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,746/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,943
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$788/mo
Today · 4.125%
HK$26,507
baseline
▲ 0.50% · 4.625%
HK$28,120
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,014/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,749
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,493
−HK$755/mo
Today · 4.125%
HK$29,248
baseline
▲ 0.50% · 4.625%
HK$30,790
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,496/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,100
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,005
−HK$920/mo
Today · 4.125%
HK$30,925
baseline
▲ 0.50% · 4.625%
HK$32,807
+HK$1,882/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$61,850/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,374
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,242
−HK$881/mo
Today · 4.125%
HK$34,123
baseline
▲ 0.50% · 4.625%
HK$35,922
+HK$1,799/mo
Deposit HK$2.73M · loan HK$6.38M · min. income ≈ HK$68,246/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,415
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,578
−HK$1,183/mo
Today · 4.125%
HK$39,761
baseline
▲ 0.50% · 4.625%
HK$42,180
+HK$2,419/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$79,522/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,623
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,740
−HK$1,132/mo
Today · 4.125%
HK$43,872
baseline
▲ 0.50% · 4.625%
HK$46,185
+HK$2,313/mo
Deposit HK$912K · loan HK$8.20M · min. income ≈ HK$87,744/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,561 · Scale 2, in force from 26 Feb 2026)