LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,003
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,656
−HK$664/mo
Today · 4.125%
HK$22,320
baseline
▲ 0.50% · 4.625%
HK$23,678
+HK$1,358/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,640/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,366
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$636/mo
Today · 4.125%
HK$24,628
baseline
▲ 0.50% · 4.625%
HK$25,926
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,256/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,204
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,988
−HK$796/mo
Today · 4.125%
HK$26,784
baseline
▲ 0.50% · 4.625%
HK$28,414
+HK$1,630/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,568/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,039
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,791
−HK$763/mo
Today · 4.125%
HK$29,554
baseline
▲ 0.50% · 4.625%
HK$31,112
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,108/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,404
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,319
−HK$929/mo
Today · 4.125%
HK$31,248
baseline
▲ 0.50% · 4.625%
HK$33,150
+HK$1,902/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,496/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,712
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,589
−HK$890/mo
Today · 4.125%
HK$34,479
baseline
▲ 0.50% · 4.625%
HK$36,297
+HK$1,818/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,958/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,806
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,982
−HK$1,194/mo
Today · 4.125%
HK$40,176
baseline
▲ 0.50% · 4.625%
HK$42,621
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,352/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,058
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,186
−HK$1,145/mo
Today · 4.125%
HK$44,331
baseline
▲ 0.50% · 4.625%
HK$46,667
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,662/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,086 · Scale 2, in force from 26 Feb 2026)