LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,989
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,641
−HK$664/mo
Today · 4.125%
HK$22,305
baseline
▲ 0.50% · 4.625%
HK$23,662
+HK$1,357/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$44,610/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,350
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,976
−HK$635/mo
Today · 4.125%
HK$24,611
baseline
▲ 0.50% · 4.625%
HK$25,908
+HK$1,297/mo
Deposit HK$4.60M · loan HK$4.60M · min. income ≈ HK$49,222/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,186
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,970
−HK$796/mo
Today · 4.125%
HK$26,766
baseline
▲ 0.50% · 4.625%
HK$28,394
+HK$1,628/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$53,532/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,019
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,771
−HK$762/mo
Today · 4.125%
HK$29,533
baseline
▲ 0.50% · 4.625%
HK$31,090
+HK$1,557/mo
Deposit HK$3.68M · loan HK$5.52M · min. income ≈ HK$59,066/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,384
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,298
−HK$929/mo
Today · 4.125%
HK$31,227
baseline
▲ 0.50% · 4.625%
HK$33,127
+HK$1,900/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$62,454/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,689
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,566
−HK$889/mo
Today · 4.125%
HK$34,455
baseline
▲ 0.50% · 4.625%
HK$36,272
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.44M · min. income ≈ HK$68,910/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,779
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,954
−HK$1,194/mo
Today · 4.125%
HK$40,148
baseline
▲ 0.50% · 4.625%
HK$42,591
+HK$2,443/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$80,296/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,029
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,156
−HK$1,144/mo
Today · 4.125%
HK$44,300
baseline
▲ 0.50% · 4.625%
HK$46,635
+HK$2,335/mo
Deposit HK$920K · loan HK$8.28M · min. income ≈ HK$88,600/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$290,446 · Scale 2, in force from 26 Feb 2026)