LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,945
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,597
−HK$662/mo
Today · 4.125%
HK$22,259
baseline
▲ 0.50% · 4.625%
HK$23,613
+HK$1,354/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$44,518/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,301
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,926
−HK$634/mo
Today · 4.125%
HK$24,560
baseline
▲ 0.50% · 4.625%
HK$25,855
+HK$1,295/mo
Deposit HK$4.59M · loan HK$4.59M · min. income ≈ HK$49,120/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$288,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,134
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,916
−HK$794/mo
Today · 4.125%
HK$26,710
baseline
▲ 0.50% · 4.625%
HK$28,336
+HK$1,626/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$53,420/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,962
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,712
−HK$760/mo
Today · 4.125%
HK$29,472
baseline
▲ 0.50% · 4.625%
HK$31,026
+HK$1,554/mo
Deposit HK$3.67M · loan HK$5.51M · min. income ≈ HK$58,944/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$288,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,323
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,235
−HK$927/mo
Today · 4.125%
HK$31,162
baseline
▲ 0.50% · 4.625%
HK$33,058
+HK$1,896/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$62,324/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,622
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,497
−HK$887/mo
Today · 4.125%
HK$34,384
baseline
▲ 0.50% · 4.625%
HK$36,197
+HK$1,813/mo
Deposit HK$2.76M · loan HK$6.43M · min. income ≈ HK$68,768/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$288,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,701
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,874
−HK$1,192/mo
Today · 4.125%
HK$40,066
baseline
▲ 0.50% · 4.625%
HK$42,504
+HK$2,438/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$80,132/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,942
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,067
−HK$1,141/mo
Today · 4.125%
HK$44,208
baseline
▲ 0.50% · 4.625%
HK$46,539
+HK$2,331/mo
Deposit HK$919K · loan HK$8.27M · min. income ≈ HK$88,416/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$288,547 · Scale 2, in force from 26 Feb 2026)