LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,201
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$670/mo
Today · 4.125%
HK$22,530
baseline
▲ 0.50% · 4.625%
HK$23,901
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,060/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,586
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,218
−HK$642/mo
Today · 4.125%
HK$24,860
baseline
▲ 0.50% · 4.625%
HK$26,171
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,720/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,441
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,233
−HK$804/mo
Today · 4.125%
HK$27,037
baseline
▲ 0.50% · 4.625%
HK$28,682
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,074/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,303
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,062
−HK$770/mo
Today · 4.125%
HK$29,832
baseline
▲ 0.50% · 4.625%
HK$31,405
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,664/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,681
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,605
−HK$938/mo
Today · 4.125%
HK$31,543
baseline
▲ 0.50% · 4.625%
HK$33,462
+HK$1,919/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,086/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,020
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,906
−HK$898/mo
Today · 4.125%
HK$34,804
baseline
▲ 0.50% · 4.625%
HK$36,639
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,608/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,162
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,349
−HK$1,206/mo
Today · 4.125%
HK$40,555
baseline
▲ 0.50% · 4.625%
HK$43,023
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,110/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,455
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,593
−HK$1,155/mo
Today · 4.125%
HK$44,748
baseline
▲ 0.50% · 4.625%
HK$47,107
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,496/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$299,764 · Scale 2, in force from 26 Feb 2026)