LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,819
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,466
−HK$658/mo
Today · 4.125%
HK$22,124
baseline
▲ 0.50% · 4.625%
HK$23,470
+HK$1,346/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$44,248/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,161
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,782
−HK$630/mo
Today · 4.125%
HK$24,412
baseline
▲ 0.50% · 4.625%
HK$25,699
+HK$1,287/mo
Deposit HK$4.56M · loan HK$4.56M · min. income ≈ HK$48,824/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$282,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,982
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,760
−HK$789/mo
Today · 4.125%
HK$26,549
baseline
▲ 0.50% · 4.625%
HK$28,164
+HK$1,615/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$53,098/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,793
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,538
−HK$756/mo
Today · 4.125%
HK$29,294
baseline
▲ 0.50% · 4.625%
HK$30,838
+HK$1,544/mo
Deposit HK$3.65M · loan HK$5.48M · min. income ≈ HK$58,588/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$282,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,146
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,053
−HK$921/mo
Today · 4.125%
HK$30,974
baseline
▲ 0.50% · 4.625%
HK$32,859
+HK$1,885/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$61,948/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,425
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,294
−HK$883/mo
Today · 4.125%
HK$34,177
baseline
▲ 0.50% · 4.625%
HK$35,978
+HK$1,801/mo
Deposit HK$2.74M · loan HK$6.39M · min. income ≈ HK$68,354/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$282,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,474
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,639
−HK$1,185/mo
Today · 4.125%
HK$39,824
baseline
▲ 0.50% · 4.625%
HK$42,247
+HK$2,423/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$79,648/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,689
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,807
−HK$1,134/mo
Today · 4.125%
HK$43,941
baseline
▲ 0.50% · 4.625%
HK$46,258
+HK$2,317/mo
Deposit HK$913K · loan HK$8.22M · min. income ≈ HK$87,882/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$282,998 · Scale 2, in force from 26 Feb 2026)