LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,982
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$664/mo
Today · 4.125%
HK$22,298
baseline
▲ 0.50% · 4.625%
HK$23,654
+HK$1,356/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,596/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,342
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,968
−HK$635/mo
Today · 4.125%
HK$24,603
baseline
▲ 0.50% · 4.625%
HK$25,900
+HK$1,297/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$290,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,178
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,961
−HK$796/mo
Today · 4.125%
HK$26,757
baseline
▲ 0.50% · 4.625%
HK$28,385
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,514/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,010
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,762
−HK$762/mo
Today · 4.125%
HK$29,524
baseline
▲ 0.50% · 4.625%
HK$31,080
+HK$1,556/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,048/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,375
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$929/mo
Today · 4.125%
HK$31,217
baseline
▲ 0.50% · 4.625%
HK$33,116
+HK$1,899/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,434/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,679
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,555
−HK$889/mo
Today · 4.125%
HK$34,444
baseline
▲ 0.50% · 4.625%
HK$36,260
+HK$1,816/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$290,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,767
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,942
−HK$1,194/mo
Today · 4.125%
HK$40,136
baseline
▲ 0.50% · 4.625%
HK$42,578
+HK$2,442/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,272/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,016
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,142
−HK$1,144/mo
Today · 4.125%
HK$44,286
baseline
▲ 0.50% · 4.625%
HK$46,620
+HK$2,334/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,572/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,151 · Scale 2, in force from 26 Feb 2026)