LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,812
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,459
−HK$658/mo
Today · 4.125%
HK$22,117
baseline
▲ 0.50% · 4.625%
HK$23,463
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,234/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,153
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,774
−HK$630/mo
Today · 4.125%
HK$24,404
baseline
▲ 0.50% · 4.625%
HK$25,690
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,808/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,974
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,751
−HK$789/mo
Today · 4.125%
HK$26,540
baseline
▲ 0.50% · 4.625%
HK$28,155
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,080/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,784
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,529
−HK$756/mo
Today · 4.125%
HK$29,285
baseline
▲ 0.50% · 4.625%
HK$30,828
+HK$1,543/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,570/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,137
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,043
−HK$921/mo
Today · 4.125%
HK$30,964
baseline
▲ 0.50% · 4.625%
HK$32,848
+HK$1,884/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,928/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,414
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,284
−HK$882/mo
Today · 4.125%
HK$34,166
baseline
▲ 0.50% · 4.625%
HK$35,966
+HK$1,800/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,332/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,461
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,627
−HK$1,184/mo
Today · 4.125%
HK$39,811
baseline
▲ 0.50% · 4.625%
HK$42,233
+HK$2,422/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$79,622/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,675
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,793
−HK$1,134/mo
Today · 4.125%
HK$43,927
baseline
▲ 0.50% · 4.625%
HK$46,243
+HK$2,316/mo
Deposit HK$913K · loan HK$8.21M · min. income ≈ HK$87,854/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,701 · Scale 2, in force from 26 Feb 2026)