LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,881
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,531
−HK$660/mo
Today · 4.125%
HK$22,191
baseline
▲ 0.50% · 4.625%
HK$23,541
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,382/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,230
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,853
−HK$632/mo
Today · 4.125%
HK$24,485
baseline
▲ 0.50% · 4.625%
HK$25,776
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,970/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$285,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,057
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,837
−HK$792/mo
Today · 4.125%
HK$26,629
baseline
▲ 0.50% · 4.625%
HK$28,249
+HK$1,620/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$53,258/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,876
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$28,624
−HK$758/mo
Today · 4.125%
HK$29,382
baseline
▲ 0.50% · 4.625%
HK$30,931
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.49M · min. income ≈ HK$58,764/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$285,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,234
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,143
−HK$924/mo
Today · 4.125%
HK$31,067
baseline
▲ 0.50% · 4.625%
HK$32,957
+HK$1,890/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,134/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,522
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,394
−HK$885/mo
Today · 4.125%
HK$34,279
baseline
▲ 0.50% · 4.625%
HK$36,086
+HK$1,807/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,558/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$285,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,586
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,755
−HK$1,188/mo
Today · 4.125%
HK$39,943
baseline
▲ 0.50% · 4.625%
HK$42,374
+HK$2,431/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,886/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,814
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,936
−HK$1,137/mo
Today · 4.125%
HK$44,073
baseline
▲ 0.50% · 4.625%
HK$46,396
+HK$2,323/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,146/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$285,738 · Scale 2, in force from 26 Feb 2026)