LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,875
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,525
−HK$659/mo
Today · 4.125%
HK$22,184
baseline
▲ 0.50% · 4.625%
HK$23,534
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,368/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,224
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,846
−HK$632/mo
Today · 4.125%
HK$24,478
baseline
▲ 0.50% · 4.625%
HK$25,769
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,956/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,050
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,830
−HK$791/mo
Today · 4.125%
HK$26,621
baseline
▲ 0.50% · 4.625%
HK$28,241
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,242/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,868
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,616
−HK$758/mo
Today · 4.125%
HK$29,374
baseline
▲ 0.50% · 4.625%
HK$30,922
+HK$1,548/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,748/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,225
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,135
−HK$923/mo
Today · 4.125%
HK$31,058
baseline
▲ 0.50% · 4.625%
HK$32,948
+HK$1,890/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,116/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,513
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,385
−HK$885/mo
Today · 4.125%
HK$34,270
baseline
▲ 0.50% · 4.625%
HK$36,076
+HK$1,806/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,540/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,576
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,744
−HK$1,188/mo
Today · 4.125%
HK$39,932
baseline
▲ 0.50% · 4.625%
HK$42,362
+HK$2,430/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$79,864/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,802
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,924
−HK$1,137/mo
Today · 4.125%
HK$44,061
baseline
▲ 0.50% · 4.625%
HK$46,383
+HK$2,322/mo
Deposit HK$915K · loan HK$8.24M · min. income ≈ HK$88,122/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,482 · Scale 2, in force from 26 Feb 2026)