LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,208
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,868
−HK$670/mo
Today · 4.125%
HK$22,538
baseline
▲ 0.50% · 4.625%
HK$23,909
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,076/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,594
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,227
−HK$641/mo
Today · 4.125%
HK$24,868
baseline
▲ 0.50% · 4.625%
HK$26,179
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,736/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,450
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,241
−HK$805/mo
Today · 4.125%
HK$27,046
baseline
▲ 0.50% · 4.625%
HK$28,691
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,092/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,313
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,072
−HK$770/mo
Today · 4.125%
HK$29,842
baseline
▲ 0.50% · 4.625%
HK$31,415
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,684/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,691
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,615
−HK$938/mo
Today · 4.125%
HK$31,553
baseline
▲ 0.50% · 4.625%
HK$33,473
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,106/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,031
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,917
−HK$899/mo
Today · 4.125%
HK$34,816
baseline
▲ 0.50% · 4.625%
HK$36,651
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,632/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,175
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,362
−HK$1,206/mo
Today · 4.125%
HK$40,568
baseline
▲ 0.50% · 4.625%
HK$43,037
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,136/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,469
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,608
−HK$1,155/mo
Today · 4.125%
HK$44,763
baseline
▲ 0.50% · 4.625%
HK$47,123
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,526/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,074 · Scale 2, in force from 26 Feb 2026)