LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,099
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,755
−HK$667/mo
Today · 4.125%
HK$22,422
baseline
▲ 0.50% · 4.625%
HK$23,786
+HK$1,364/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,844/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,472
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,102
−HK$638/mo
Today · 4.125%
HK$24,740
baseline
▲ 0.50% · 4.625%
HK$26,044
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,480/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,318
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,106
−HK$800/mo
Today · 4.125%
HK$26,906
baseline
▲ 0.50% · 4.625%
HK$28,543
+HK$1,637/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,812/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,167
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,922
−HK$766/mo
Today · 4.125%
HK$29,688
baseline
▲ 0.50% · 4.625%
HK$31,253
+HK$1,565/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,376/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,538
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,457
−HK$934/mo
Today · 4.125%
HK$31,391
baseline
▲ 0.50% · 4.625%
HK$33,301
+HK$1,910/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,782/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,861
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,742
−HK$894/mo
Today · 4.125%
HK$34,636
baseline
▲ 0.50% · 4.625%
HK$36,462
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,272/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,978
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,159
−HK$1,200/mo
Today · 4.125%
HK$40,359
baseline
▲ 0.50% · 4.625%
HK$42,815
+HK$2,456/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,718/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,250
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,383
−HK$1,149/mo
Today · 4.125%
HK$44,532
baseline
▲ 0.50% · 4.625%
HK$46,880
+HK$2,348/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,064/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,280 · Scale 2, in force from 26 Feb 2026)