LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,981
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$663/mo
Today · 4.125%
HK$22,297
baseline
▲ 0.50% · 4.625%
HK$23,654
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,594/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,341
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,967
−HK$636/mo
Today · 4.125%
HK$24,603
baseline
▲ 0.50% · 4.625%
HK$25,899
+HK$1,296/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,206/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,178
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,961
−HK$795/mo
Today · 4.125%
HK$26,756
baseline
▲ 0.50% · 4.625%
HK$28,384
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,512/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,010
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$762/mo
Today · 4.125%
HK$29,523
baseline
▲ 0.50% · 4.625%
HK$31,079
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,046/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,374
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$928/mo
Today · 4.125%
HK$31,216
baseline
▲ 0.50% · 4.625%
HK$33,115
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,432/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,678
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,554
−HK$890/mo
Today · 4.125%
HK$34,444
baseline
▲ 0.50% · 4.625%
HK$36,259
+HK$1,815/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,888/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,766
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,941
−HK$1,194/mo
Today · 4.125%
HK$40,135
baseline
▲ 0.50% · 4.625%
HK$42,577
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,270/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,015
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,141
−HK$1,144/mo
Today · 4.125%
HK$44,285
baseline
▲ 0.50% · 4.625%
HK$46,619
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,570/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,130 · Scale 2, in force from 26 Feb 2026)