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$295,287 · 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$26,045
+HK$1,305/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$295,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,319
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,106
−HK$800/mo
Today · 4.125%
HK$26,906
baseline
▲ 0.50% · 4.625%
HK$28,544
+HK$1,638/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$295,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,167
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,922
−HK$767/mo
Today · 4.125%
HK$29,689
baseline
▲ 0.50% · 4.625%
HK$31,253
+HK$1,564/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,378/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,287 · 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$295,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,861
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,743
−HK$894/mo
Today · 4.125%
HK$34,637
baseline
▲ 0.50% · 4.625%
HK$36,462
+HK$1,825/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,274/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,978
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,159
−HK$1,201/mo
Today · 4.125%
HK$40,360
baseline
▲ 0.50% · 4.625%
HK$42,815
+HK$2,455/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$80,720/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,250
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,383
−HK$1,150/mo
Today · 4.125%
HK$44,533
baseline
▲ 0.50% · 4.625%
HK$46,880
+HK$2,347/mo
Deposit HK$925K · loan HK$8.33M · min. income ≈ HK$89,066/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,287 · Scale 2, in force from 26 Feb 2026)