LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,209
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,869
−HK$670/mo
Today · 4.125%
HK$22,539
baseline
▲ 0.50% · 4.625%
HK$23,910
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,078/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,595
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,227
−HK$642/mo
Today · 4.125%
HK$24,869
baseline
▲ 0.50% · 4.625%
HK$26,180
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,738/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,451
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,242
−HK$805/mo
Today · 4.125%
HK$27,047
baseline
▲ 0.50% · 4.625%
HK$28,692
+HK$1,645/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,094/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,314
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,073
−HK$770/mo
Today · 4.125%
HK$29,843
baseline
▲ 0.50% · 4.625%
HK$31,416
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,686/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,692
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,616
−HK$938/mo
Today · 4.125%
HK$31,554
baseline
▲ 0.50% · 4.625%
HK$33,474
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,108/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,033
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,918
−HK$899/mo
Today · 4.125%
HK$34,817
baseline
▲ 0.50% · 4.625%
HK$36,652
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,634/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,176
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,364
−HK$1,206/mo
Today · 4.125%
HK$40,570
baseline
▲ 0.50% · 4.625%
HK$43,039
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,140/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,470
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,609
−HK$1,156/mo
Today · 4.125%
HK$44,765
baseline
▲ 0.50% · 4.625%
HK$47,125
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,530/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,111 · Scale 2, in force from 26 Feb 2026)