LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,868
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,517
−HK$659/mo
Today · 4.125%
HK$22,176
baseline
▲ 0.50% · 4.625%
HK$23,526
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,352/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,215
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,838
−HK$631/mo
Today · 4.125%
HK$24,469
baseline
▲ 0.50% · 4.625%
HK$25,759
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,938/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,041
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,820
−HK$791/mo
Today · 4.125%
HK$26,611
baseline
▲ 0.50% · 4.625%
HK$28,231
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,222/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,858
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,605
−HK$758/mo
Today · 4.125%
HK$29,363
baseline
▲ 0.50% · 4.625%
HK$30,911
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,726/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,215
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,123
−HK$924/mo
Today · 4.125%
HK$31,047
baseline
▲ 0.50% · 4.625%
HK$32,936
+HK$1,889/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,094/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,501
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,373
−HK$884/mo
Today · 4.125%
HK$34,257
baseline
▲ 0.50% · 4.625%
HK$36,063
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,514/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,562
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,730
−HK$1,187/mo
Today · 4.125%
HK$39,917
baseline
▲ 0.50% · 4.625%
HK$42,346
+HK$2,429/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,834/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,787
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,908
−HK$1,137/mo
Today · 4.125%
HK$44,045
baseline
▲ 0.50% · 4.625%
HK$46,366
+HK$2,321/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,090/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,145 · Scale 2, in force from 26 Feb 2026)