LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,977
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,630
−HK$662/mo
Today · 4.125%
HK$22,292
baseline
▲ 0.50% · 4.625%
HK$23,649
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,584/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,337
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,963
−HK$635/mo
Today · 4.125%
HK$24,598
baseline
▲ 0.50% · 4.625%
HK$25,894
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,196/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,172
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$796/mo
Today · 4.125%
HK$26,751
baseline
▲ 0.50% · 4.625%
HK$28,379
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,502/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,004
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,755
−HK$762/mo
Today · 4.125%
HK$29,517
baseline
▲ 0.50% · 4.625%
HK$31,073
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,034/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,368
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,281
−HK$928/mo
Today · 4.125%
HK$31,209
baseline
▲ 0.50% · 4.625%
HK$33,109
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,418/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,671
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,548
−HK$889/mo
Today · 4.125%
HK$34,437
baseline
▲ 0.50% · 4.625%
HK$36,252
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,874/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,759
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,933
−HK$1,193/mo
Today · 4.125%
HK$40,126
baseline
▲ 0.50% · 4.625%
HK$42,568
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,252/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,006
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,133
−HK$1,143/mo
Today · 4.125%
HK$44,276
baseline
▲ 0.50% · 4.625%
HK$46,609
+HK$2,333/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,552/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,943 · Scale 2, in force from 26 Feb 2026)