LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,877
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,526
−HK$660/mo
Today · 4.125%
HK$22,186
baseline
▲ 0.50% · 4.625%
HK$23,536
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,372/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,225
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,848
−HK$632/mo
Today · 4.125%
HK$24,480
baseline
▲ 0.50% · 4.625%
HK$25,770
+HK$1,290/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,960/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,052
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$25,831
−HK$792/mo
Today · 4.125%
HK$26,623
baseline
▲ 0.50% · 4.625%
HK$28,243
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,246/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,870
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,618
−HK$758/mo
Today · 4.125%
HK$29,376
baseline
▲ 0.50% · 4.625%
HK$30,925
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,752/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,228
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,137
−HK$923/mo
Today · 4.125%
HK$31,060
baseline
▲ 0.50% · 4.625%
HK$32,950
+HK$1,890/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,120/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,515
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,387
−HK$885/mo
Today · 4.125%
HK$34,272
baseline
▲ 0.50% · 4.625%
HK$36,079
+HK$1,807/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,544/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,578
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,747
−HK$1,188/mo
Today · 4.125%
HK$39,935
baseline
▲ 0.50% · 4.625%
HK$42,365
+HK$2,430/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,870/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,805
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,927
−HK$1,137/mo
Today · 4.125%
HK$44,064
baseline
▲ 0.50% · 4.625%
HK$46,387
+HK$2,323/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,128/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,548 · Scale 2, in force from 26 Feb 2026)