LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,192
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,851
−HK$670/mo
Today · 4.125%
HK$22,521
baseline
▲ 0.50% · 4.625%
HK$23,891
+HK$1,370/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,042/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,576
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,208
−HK$642/mo
Today · 4.125%
HK$24,850
baseline
▲ 0.50% · 4.625%
HK$26,159
+HK$1,309/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,700/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,430
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,221
−HK$804/mo
Today · 4.125%
HK$27,025
baseline
▲ 0.50% · 4.625%
HK$28,669
+HK$1,644/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,050/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,291
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,050
−HK$769/mo
Today · 4.125%
HK$29,819
baseline
▲ 0.50% · 4.625%
HK$31,391
+HK$1,572/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,638/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,669
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,592
−HK$937/mo
Today · 4.125%
HK$31,529
baseline
▲ 0.50% · 4.625%
HK$33,448
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,058/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,006
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,891
−HK$898/mo
Today · 4.125%
HK$34,789
baseline
▲ 0.50% · 4.625%
HK$36,623
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,578/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,145
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,332
−HK$1,206/mo
Today · 4.125%
HK$40,538
baseline
▲ 0.50% · 4.625%
HK$43,004
+HK$2,466/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$81,076/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,436
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,575
−HK$1,154/mo
Today · 4.125%
HK$44,729
baseline
▲ 0.50% · 4.625%
HK$47,087
+HK$2,358/mo
Deposit HK$929K · loan HK$8.36M · min. income ≈ HK$89,458/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,367 · Scale 2, in force from 26 Feb 2026)