LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,105
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,762
−HK$667/mo
Today · 4.125%
HK$22,429
baseline
▲ 0.50% · 4.625%
HK$23,793
+HK$1,364/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,858/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,479
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,109
−HK$639/mo
Today · 4.125%
HK$24,748
baseline
▲ 0.50% · 4.625%
HK$26,052
+HK$1,304/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,496/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$295,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,326
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,114
−HK$800/mo
Today · 4.125%
HK$26,914
baseline
▲ 0.50% · 4.625%
HK$28,552
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$53,828/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,175
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,931
−HK$766/mo
Today · 4.125%
HK$29,697
baseline
▲ 0.50% · 4.625%
HK$31,263
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.55M · min. income ≈ HK$59,394/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,547
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,466
−HK$934/mo
Today · 4.125%
HK$31,400
baseline
▲ 0.50% · 4.625%
HK$33,311
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,800/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,871
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,753
−HK$894/mo
Today · 4.125%
HK$34,647
baseline
▲ 0.50% · 4.625%
HK$36,473
+HK$1,826/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,294/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,989
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,171
−HK$1,201/mo
Today · 4.125%
HK$40,372
baseline
▲ 0.50% · 4.625%
HK$42,828
+HK$2,456/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,744/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,263
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,396
−HK$1,150/mo
Today · 4.125%
HK$44,546
baseline
▲ 0.50% · 4.625%
HK$46,894
+HK$2,348/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,092/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,565 · Scale 2, in force from 26 Feb 2026)