LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,974
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,626
−HK$663/mo
Today · 4.125%
HK$22,289
baseline
▲ 0.50% · 4.625%
HK$23,645
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,578/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,333
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,959
−HK$635/mo
Today · 4.125%
HK$24,594
baseline
▲ 0.50% · 4.625%
HK$25,890
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,188/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,168
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,951
−HK$796/mo
Today · 4.125%
HK$26,747
baseline
▲ 0.50% · 4.625%
HK$28,374
+HK$1,627/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,494/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,999
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,750
−HK$762/mo
Today · 4.125%
HK$29,512
baseline
▲ 0.50% · 4.625%
HK$31,068
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,024/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,363
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,276
−HK$928/mo
Today · 4.125%
HK$31,204
baseline
▲ 0.50% · 4.625%
HK$33,103
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,408/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,666
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,542
−HK$889/mo
Today · 4.125%
HK$34,431
baseline
▲ 0.50% · 4.625%
HK$36,246
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,862/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,752
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,927
−HK$1,193/mo
Today · 4.125%
HK$40,120
baseline
▲ 0.50% · 4.625%
HK$42,561
+HK$2,441/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,240/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,999
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,126
−HK$1,142/mo
Today · 4.125%
HK$44,268
baseline
▲ 0.50% · 4.625%
HK$46,602
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,536/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,792 · Scale 2, in force from 26 Feb 2026)