LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,794
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,441
−HK$657/mo
Today · 4.125%
HK$22,098
baseline
▲ 0.50% · 4.625%
HK$23,443
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,196/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,133
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,754
−HK$629/mo
Today · 4.125%
HK$24,383
baseline
▲ 0.50% · 4.625%
HK$25,668
+HK$1,285/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,766/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$281,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,953
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,729
−HK$789/mo
Today · 4.125%
HK$26,518
baseline
▲ 0.50% · 4.625%
HK$28,131
+HK$1,613/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,036/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,760
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,504
−HK$756/mo
Today · 4.125%
HK$29,260
baseline
▲ 0.50% · 4.625%
HK$30,802
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,520/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$281,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,112
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,017
−HK$920/mo
Today · 4.125%
HK$30,937
baseline
▲ 0.50% · 4.625%
HK$32,820
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$61,874/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,387
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,255
−HK$881/mo
Today · 4.125%
HK$34,136
baseline
▲ 0.50% · 4.625%
HK$35,936
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.38M · min. income ≈ HK$68,272/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$281,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,429
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,594
−HK$1,183/mo
Today · 4.125%
HK$39,777
baseline
▲ 0.50% · 4.625%
HK$42,197
+HK$2,420/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,554/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,640
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,757
−HK$1,133/mo
Today · 4.125%
HK$43,890
baseline
▲ 0.50% · 4.625%
HK$46,203
+HK$2,313/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,780/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$281,920 · Scale 2, in force from 26 Feb 2026)