LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,899
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,549
−HK$661/mo
Today · 4.125%
HK$22,210
baseline
▲ 0.50% · 4.625%
HK$23,561
+HK$1,351/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$44,420/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,250
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,874
−HK$632/mo
Today · 4.125%
HK$24,506
baseline
▲ 0.50% · 4.625%
HK$25,798
+HK$1,292/mo
Deposit HK$4.58M · loan HK$4.58M · min. income ≈ HK$49,012/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$286,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,079
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$25,859
−HK$793/mo
Today · 4.125%
HK$26,652
baseline
▲ 0.50% · 4.625%
HK$28,273
+HK$1,621/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$53,304/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,900
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$28,648
−HK$760/mo
Today · 4.125%
HK$29,408
baseline
▲ 0.50% · 4.625%
HK$30,958
+HK$1,550/mo
Deposit HK$3.67M · loan HK$5.50M · min. income ≈ HK$58,816/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$286,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,259
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,169
−HK$925/mo
Today · 4.125%
HK$31,094
baseline
▲ 0.50% · 4.625%
HK$32,986
+HK$1,892/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$62,188/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,550
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,423
−HK$886/mo
Today · 4.125%
HK$34,309
baseline
▲ 0.50% · 4.625%
HK$36,117
+HK$1,808/mo
Deposit HK$2.75M · loan HK$6.42M · min. income ≈ HK$68,618/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$286,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,619
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,789
−HK$1,189/mo
Today · 4.125%
HK$39,978
baseline
▲ 0.50% · 4.625%
HK$42,410
+HK$2,432/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$79,956/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,850
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,973
−HK$1,138/mo
Today · 4.125%
HK$44,111
baseline
▲ 0.50% · 4.625%
HK$46,437
+HK$2,326/mo
Deposit HK$917K · loan HK$8.25M · min. income ≈ HK$88,222/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$286,530 · Scale 2, in force from 26 Feb 2026)