LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,818
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,465
−HK$658/mo
Today · 4.125%
HK$22,123
baseline
▲ 0.50% · 4.625%
HK$23,469
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,246/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,159
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,781
−HK$630/mo
Today · 4.125%
HK$24,411
baseline
▲ 0.50% · 4.625%
HK$25,697
+HK$1,286/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,822/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,981
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,758
−HK$790/mo
Today · 4.125%
HK$26,548
baseline
▲ 0.50% · 4.625%
HK$28,163
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,096/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,791
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,537
−HK$756/mo
Today · 4.125%
HK$29,293
baseline
▲ 0.50% · 4.625%
HK$30,837
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,586/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,145
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,051
−HK$921/mo
Today · 4.125%
HK$30,972
baseline
▲ 0.50% · 4.625%
HK$32,857
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,944/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,423
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,293
−HK$882/mo
Today · 4.125%
HK$34,175
baseline
▲ 0.50% · 4.625%
HK$35,976
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,350/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,472
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,637
−HK$1,185/mo
Today · 4.125%
HK$39,822
baseline
▲ 0.50% · 4.625%
HK$42,245
+HK$2,423/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,644/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,687
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,805
−HK$1,134/mo
Today · 4.125%
HK$43,939
baseline
▲ 0.50% · 4.625%
HK$46,255
+HK$2,316/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,878/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,952 · Scale 2, in force from 26 Feb 2026)