LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,200
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,859
−HK$670/mo
Today · 4.125%
HK$22,529
baseline
▲ 0.50% · 4.625%
HK$23,900
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,058/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,584
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,217
−HK$642/mo
Today · 4.125%
HK$24,859
baseline
▲ 0.50% · 4.625%
HK$26,169
+HK$1,310/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,718/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,440
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,231
−HK$804/mo
Today · 4.125%
HK$27,035
baseline
▲ 0.50% · 4.625%
HK$28,680
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,070/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,301
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,060
−HK$770/mo
Today · 4.125%
HK$29,830
baseline
▲ 0.50% · 4.625%
HK$31,403
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,660/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,679
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,603
−HK$938/mo
Today · 4.125%
HK$31,541
baseline
▲ 0.50% · 4.625%
HK$33,460
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,082/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,018
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,904
−HK$898/mo
Today · 4.125%
HK$34,802
baseline
▲ 0.50% · 4.625%
HK$36,636
+HK$1,834/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,604/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,159
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,346
−HK$1,206/mo
Today · 4.125%
HK$40,552
baseline
▲ 0.50% · 4.625%
HK$43,020
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,104/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,452
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,590
−HK$1,155/mo
Today · 4.125%
HK$44,745
baseline
▲ 0.50% · 4.625%
HK$47,104
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,490/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,705 · Scale 2, in force from 26 Feb 2026)