LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,889
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,538
−HK$661/mo
Today · 4.125%
HK$22,199
baseline
▲ 0.50% · 4.625%
HK$23,549
+HK$1,350/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,398/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,239
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,862
−HK$632/mo
Today · 4.125%
HK$24,494
baseline
▲ 0.50% · 4.625%
HK$25,785
+HK$1,291/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$48,988/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,066
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$25,846
−HK$792/mo
Today · 4.125%
HK$26,638
baseline
▲ 0.50% · 4.625%
HK$28,259
+HK$1,621/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$53,276/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,886
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$28,634
−HK$759/mo
Today · 4.125%
HK$29,393
baseline
▲ 0.50% · 4.625%
HK$30,942
+HK$1,549/mo
Deposit HK$3.66M · loan HK$5.50M · min. income ≈ HK$58,786/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,244
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,154
−HK$924/mo
Today · 4.125%
HK$31,078
baseline
▲ 0.50% · 4.625%
HK$32,969
+HK$1,891/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$62,156/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,534
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,406
−HK$886/mo
Today · 4.125%
HK$34,292
baseline
▲ 0.50% · 4.625%
HK$36,099
+HK$1,807/mo
Deposit HK$2.75M · loan HK$6.41M · min. income ≈ HK$68,584/mo (50% DSR)
Upfront cash ≈ HK$3.03M (deposit + AVD stamp duty HK$286,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,600
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,769
−HK$1,189/mo
Today · 4.125%
HK$39,958
baseline
▲ 0.50% · 4.625%
HK$42,389
+HK$2,431/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$79,916/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,829
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,951
−HK$1,138/mo
Today · 4.125%
HK$44,089
baseline
▲ 0.50% · 4.625%
HK$46,413
+HK$2,324/mo
Deposit HK$916K · loan HK$8.24M · min. income ≈ HK$88,178/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,070 · Scale 2, in force from 26 Feb 2026)