LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,858
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,507
−HK$659/mo
Today · 4.125%
HK$22,166
baseline
▲ 0.50% · 4.625%
HK$23,515
+HK$1,349/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$44,332/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,205
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,827
−HK$631/mo
Today · 4.125%
HK$24,458
baseline
▲ 0.50% · 4.625%
HK$25,747
+HK$1,289/mo
Deposit HK$4.57M · loan HK$4.57M · min. income ≈ HK$48,916/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$284,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,030
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$25,808
−HK$791/mo
Today · 4.125%
HK$26,599
baseline
▲ 0.50% · 4.625%
HK$28,218
+HK$1,619/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,198/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,845
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,592
−HK$758/mo
Today · 4.125%
HK$29,350
baseline
▲ 0.50% · 4.625%
HK$30,897
+HK$1,547/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,700/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$284,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,202
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,110
−HK$923/mo
Today · 4.125%
HK$31,033
baseline
▲ 0.50% · 4.625%
HK$32,921
+HK$1,888/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$62,066/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,486
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,358
−HK$884/mo
Today · 4.125%
HK$34,242
baseline
▲ 0.50% · 4.625%
HK$36,046
+HK$1,804/mo
Deposit HK$2.74M · loan HK$6.40M · min. income ≈ HK$68,484/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$284,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,545
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,713
−HK$1,186/mo
Today · 4.125%
HK$39,899
baseline
▲ 0.50% · 4.625%
HK$42,327
+HK$2,428/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$79,798/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,768
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,888
−HK$1,137/mo
Today · 4.125%
HK$44,025
baseline
▲ 0.50% · 4.625%
HK$46,345
+HK$2,320/mo
Deposit HK$915K · loan HK$8.23M · min. income ≈ HK$88,050/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$284,732 · Scale 2, in force from 26 Feb 2026)