LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,793
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,440
−HK$657/mo
Today · 4.125%
HK$22,097
baseline
▲ 0.50% · 4.625%
HK$23,442
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,194/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,132
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,752
−HK$630/mo
Today · 4.125%
HK$24,382
baseline
▲ 0.50% · 4.625%
HK$25,667
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,764/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,952
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,728
−HK$788/mo
Today · 4.125%
HK$26,516
baseline
▲ 0.50% · 4.625%
HK$28,130
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,032/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,759
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,503
−HK$755/mo
Today · 4.125%
HK$29,258
baseline
▲ 0.50% · 4.625%
HK$30,800
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,516/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,110
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,016
−HK$920/mo
Today · 4.125%
HK$30,936
baseline
▲ 0.50% · 4.625%
HK$32,818
+HK$1,882/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,872/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,385
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,253
−HK$882/mo
Today · 4.125%
HK$34,135
baseline
▲ 0.50% · 4.625%
HK$35,934
+HK$1,799/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,270/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,428
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,592
−HK$1,183/mo
Today · 4.125%
HK$39,775
baseline
▲ 0.50% · 4.625%
HK$42,195
+HK$2,420/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,550/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,638
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,754
−HK$1,133/mo
Today · 4.125%
HK$43,887
baseline
▲ 0.50% · 4.625%
HK$46,201
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,774/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,875 · Scale 2, in force from 26 Feb 2026)