LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,805
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,452
−HK$658/mo
Today · 4.125%
HK$22,110
baseline
▲ 0.50% · 4.625%
HK$23,455
+HK$1,345/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,220/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,145
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,766
−HK$630/mo
Today · 4.125%
HK$24,396
baseline
▲ 0.50% · 4.625%
HK$25,682
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,792/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$282,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,966
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,743
−HK$789/mo
Today · 4.125%
HK$26,532
baseline
▲ 0.50% · 4.625%
HK$28,146
+HK$1,614/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$53,064/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,775
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,519
−HK$756/mo
Today · 4.125%
HK$29,275
baseline
▲ 0.50% · 4.625%
HK$30,818
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.47M · min. income ≈ HK$58,550/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,127
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,033
−HK$921/mo
Today · 4.125%
HK$30,954
baseline
▲ 0.50% · 4.625%
HK$32,837
+HK$1,883/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,908/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,404
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,273
−HK$881/mo
Today · 4.125%
HK$34,154
baseline
▲ 0.50% · 4.625%
HK$35,955
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,308/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,449
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,614
−HK$1,184/mo
Today · 4.125%
HK$39,798
baseline
▲ 0.50% · 4.625%
HK$42,219
+HK$2,421/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$79,596/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,662
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,779
−HK$1,134/mo
Today · 4.125%
HK$43,913
baseline
▲ 0.50% · 4.625%
HK$46,227
+HK$2,314/mo
Deposit HK$912K · loan HK$8.21M · min. income ≈ HK$87,826/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$282,402 · Scale 2, in force from 26 Feb 2026)