LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,978
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,631
−HK$663/mo
Today · 4.125%
HK$22,294
baseline
▲ 0.50% · 4.625%
HK$23,650
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,588/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,338
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,964
−HK$635/mo
Today · 4.125%
HK$24,599
baseline
▲ 0.50% · 4.625%
HK$25,895
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,198/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$289,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,174
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,957
−HK$795/mo
Today · 4.125%
HK$26,752
baseline
▲ 0.50% · 4.625%
HK$28,380
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,504/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,006
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,757
−HK$762/mo
Today · 4.125%
HK$29,519
baseline
▲ 0.50% · 4.625%
HK$31,075
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,038/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$289,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,369
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,283
−HK$928/mo
Today · 4.125%
HK$31,211
baseline
▲ 0.50% · 4.625%
HK$33,110
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,422/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,673
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,549
−HK$889/mo
Today · 4.125%
HK$34,438
baseline
▲ 0.50% · 4.625%
HK$36,254
+HK$1,816/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,876/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$289,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,761
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,935
−HK$1,194/mo
Today · 4.125%
HK$40,129
baseline
▲ 0.50% · 4.625%
HK$42,570
+HK$2,441/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,258/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,008
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,135
−HK$1,143/mo
Today · 4.125%
HK$44,278
baseline
▲ 0.50% · 4.625%
HK$46,612
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,556/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$289,991 · Scale 2, in force from 26 Feb 2026)