LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,803
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,450
−HK$658/mo
Today · 4.125%
HK$22,108
baseline
▲ 0.50% · 4.625%
HK$23,453
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,216/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,143
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,764
−HK$630/mo
Today · 4.125%
HK$24,394
baseline
▲ 0.50% · 4.625%
HK$25,680
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,788/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,964
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,740
−HK$789/mo
Today · 4.125%
HK$26,529
baseline
▲ 0.50% · 4.625%
HK$28,144
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,058/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,772
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,517
−HK$756/mo
Today · 4.125%
HK$29,273
baseline
▲ 0.50% · 4.625%
HK$30,816
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,546/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,125
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,031
−HK$920/mo
Today · 4.125%
HK$30,951
baseline
▲ 0.50% · 4.625%
HK$32,834
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,902/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,401
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,270
−HK$881/mo
Today · 4.125%
HK$34,151
baseline
▲ 0.50% · 4.625%
HK$35,951
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,302/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,446
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,611
−HK$1,183/mo
Today · 4.125%
HK$39,794
baseline
▲ 0.50% · 4.625%
HK$42,215
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,588/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,658
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,775
−HK$1,134/mo
Today · 4.125%
HK$43,909
baseline
▲ 0.50% · 4.625%
HK$46,223
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,818/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,322 · Scale 2, in force from 26 Feb 2026)