LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,972
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,625
−HK$662/mo
Today · 4.125%
HK$22,287
baseline
▲ 0.50% · 4.625%
HK$23,644
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,574/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,331
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,957
−HK$635/mo
Today · 4.125%
HK$24,592
baseline
▲ 0.50% · 4.625%
HK$25,888
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,184/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,167
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,950
−HK$795/mo
Today · 4.125%
HK$26,745
baseline
▲ 0.50% · 4.625%
HK$28,372
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,490/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,998
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,749
−HK$761/mo
Today · 4.125%
HK$29,510
baseline
▲ 0.50% · 4.625%
HK$31,066
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,020/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,361
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,275
−HK$927/mo
Today · 4.125%
HK$31,202
baseline
▲ 0.50% · 4.625%
HK$33,101
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,404/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,664
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,540
−HK$889/mo
Today · 4.125%
HK$34,429
baseline
▲ 0.50% · 4.625%
HK$36,244
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,858/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,750
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,924
−HK$1,193/mo
Today · 4.125%
HK$40,117
baseline
▲ 0.50% · 4.625%
HK$42,558
+HK$2,441/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,234/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,997
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,123
−HK$1,143/mo
Today · 4.125%
HK$44,266
baseline
▲ 0.50% · 4.625%
HK$46,599
+HK$2,333/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,532/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,735 · Scale 2, in force from 26 Feb 2026)