LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,207
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,867
−HK$670/mo
Today · 4.125%
HK$22,537
baseline
▲ 0.50% · 4.625%
HK$23,908
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,074/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,592
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,225
−HK$642/mo
Today · 4.125%
HK$24,867
baseline
▲ 0.50% · 4.625%
HK$26,178
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,734/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,448
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,240
−HK$804/mo
Today · 4.125%
HK$27,044
baseline
▲ 0.50% · 4.625%
HK$28,690
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,088/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,311
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,070
−HK$770/mo
Today · 4.125%
HK$29,840
baseline
▲ 0.50% · 4.625%
HK$31,413
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,680/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,690
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,613
−HK$938/mo
Today · 4.125%
HK$31,551
baseline
▲ 0.50% · 4.625%
HK$33,471
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,102/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,029
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,915
−HK$899/mo
Today · 4.125%
HK$34,814
baseline
▲ 0.50% · 4.625%
HK$36,649
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,628/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,172
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,360
−HK$1,206/mo
Today · 4.125%
HK$40,566
baseline
▲ 0.50% · 4.625%
HK$43,034
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,132/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,466
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,605
−HK$1,156/mo
Today · 4.125%
HK$44,761
baseline
▲ 0.50% · 4.625%
HK$47,120
+HK$2,359/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,522/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,021 · Scale 2, in force from 26 Feb 2026)