LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,800
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,447
−HK$658/mo
Today · 4.125%
HK$22,105
baseline
▲ 0.50% · 4.625%
HK$23,450
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,210/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,140
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,761
−HK$629/mo
Today · 4.125%
HK$24,390
baseline
▲ 0.50% · 4.625%
HK$25,676
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,780/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,961
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,737
−HK$789/mo
Today · 4.125%
HK$26,526
baseline
▲ 0.50% · 4.625%
HK$28,140
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,052/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,768
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,513
−HK$756/mo
Today · 4.125%
HK$29,269
baseline
▲ 0.50% · 4.625%
HK$30,811
+HK$1,542/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,538/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,121
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,026
−HK$921/mo
Today · 4.125%
HK$30,947
baseline
▲ 0.50% · 4.625%
HK$32,830
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,894/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,396
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,265
−HK$882/mo
Today · 4.125%
HK$34,147
baseline
▲ 0.50% · 4.625%
HK$35,947
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,294/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,441
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,605
−HK$1,184/mo
Today · 4.125%
HK$39,789
baseline
▲ 0.50% · 4.625%
HK$42,210
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,578/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,653
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,770
−HK$1,133/mo
Today · 4.125%
HK$43,903
baseline
▲ 0.50% · 4.625%
HK$46,217
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,806/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,198 · Scale 2, in force from 26 Feb 2026)