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$289,804 · 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$289,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,169
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,952
−HK$795/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$289,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,000
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,751
−HK$762/mo
Today · 4.125%
HK$29,513
baseline
▲ 0.50% · 4.625%
HK$31,068
+HK$1,555/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,026/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,363
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,277
−HK$928/mo
Today · 4.125%
HK$31,205
baseline
▲ 0.50% · 4.625%
HK$33,104
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,410/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,667
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,543
−HK$888/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$289,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,753
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,927
−HK$1,193/mo
Today · 4.125%
HK$40,120
baseline
▲ 0.50% · 4.625%
HK$42,562
+HK$2,442/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$289,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,000
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,126
−HK$1,143/mo
Today · 4.125%
HK$44,269
baseline
▲ 0.50% · 4.625%
HK$46,602
+HK$2,333/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,538/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,804 · Scale 2, in force from 26 Feb 2026)