LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,155
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,813
−HK$669/mo
Today · 4.125%
HK$22,482
baseline
▲ 0.50% · 4.625%
HK$23,850
+HK$1,368/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,964/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,535
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,166
−HK$640/mo
Today · 4.125%
HK$24,806
baseline
▲ 0.50% · 4.625%
HK$26,114
+HK$1,308/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,612/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$297,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,386
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,176
−HK$802/mo
Today · 4.125%
HK$26,978
baseline
▲ 0.50% · 4.625%
HK$28,620
+HK$1,642/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$53,956/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,242
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,999
−HK$769/mo
Today · 4.125%
HK$29,768
baseline
▲ 0.50% · 4.625%
HK$31,337
+HK$1,569/mo
Deposit HK$3.71M · loan HK$5.57M · min. income ≈ HK$59,536/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,617
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,539
−HK$936/mo
Today · 4.125%
HK$31,475
baseline
▲ 0.50% · 4.625%
HK$33,390
+HK$1,915/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,950/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,949
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,833
−HK$896/mo
Today · 4.125%
HK$34,729
baseline
▲ 0.50% · 4.625%
HK$36,560
+HK$1,831/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,458/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,079
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,264
−HK$1,203/mo
Today · 4.125%
HK$40,467
baseline
▲ 0.50% · 4.625%
HK$42,930
+HK$2,463/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$80,934/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,363
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,499
−HK$1,153/mo
Today · 4.125%
HK$44,652
baseline
▲ 0.50% · 4.625%
HK$47,005
+HK$2,353/mo
Deposit HK$928K · loan HK$8.35M · min. income ≈ HK$89,304/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$297,755 · Scale 2, in force from 26 Feb 2026)