LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,112
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,768
−HK$667/mo
Today · 4.125%
HK$22,435
baseline
▲ 0.50% · 4.625%
HK$23,801
+HK$1,366/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$44,870/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,486
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,116
−HK$639/mo
Today · 4.125%
HK$24,755
baseline
▲ 0.50% · 4.625%
HK$26,060
+HK$1,305/mo
Deposit HK$4.63M · loan HK$4.63M · min. income ≈ HK$49,510/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$295,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,334
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,122
−HK$801/mo
Today · 4.125%
HK$26,923
baseline
▲ 0.50% · 4.625%
HK$28,561
+HK$1,638/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$53,846/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,184
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,940
−HK$766/mo
Today · 4.125%
HK$29,706
baseline
▲ 0.50% · 4.625%
HK$31,272
+HK$1,566/mo
Deposit HK$3.70M · loan HK$5.56M · min. income ≈ HK$59,412/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$295,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,556
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,476
−HK$934/mo
Today · 4.125%
HK$31,410
baseline
▲ 0.50% · 4.625%
HK$33,321
+HK$1,911/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$62,820/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,881
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,763
−HK$894/mo
Today · 4.125%
HK$34,657
baseline
▲ 0.50% · 4.625%
HK$36,484
+HK$1,827/mo
Deposit HK$2.78M · loan HK$6.48M · min. income ≈ HK$69,314/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$295,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,001
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,183
−HK$1,201/mo
Today · 4.125%
HK$40,384
baseline
▲ 0.50% · 4.625%
HK$42,841
+HK$2,457/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$80,768/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,276
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,409
−HK$1,151/mo
Today · 4.125%
HK$44,560
baseline
▲ 0.50% · 4.625%
HK$46,908
+HK$2,348/mo
Deposit HK$926K · loan HK$8.33M · min. income ≈ HK$89,120/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$295,843 · Scale 2, in force from 26 Feb 2026)