LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,210
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,870
−HK$670/mo
Today · 4.125%
HK$22,540
baseline
▲ 0.50% · 4.625%
HK$23,912
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,080/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,596
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,229
−HK$642/mo
Today · 4.125%
HK$24,871
baseline
▲ 0.50% · 4.625%
HK$26,182
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,742/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,452
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,244
−HK$804/mo
Today · 4.125%
HK$27,048
baseline
▲ 0.50% · 4.625%
HK$28,694
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,096/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,315
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,075
−HK$770/mo
Today · 4.125%
HK$29,845
baseline
▲ 0.50% · 4.625%
HK$31,418
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,690/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,694
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,618
−HK$938/mo
Today · 4.125%
HK$31,556
baseline
▲ 0.50% · 4.625%
HK$33,477
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,112/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,035
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,921
−HK$898/mo
Today · 4.125%
HK$34,819
baseline
▲ 0.50% · 4.625%
HK$36,655
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,638/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,178
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,366
−HK$1,207/mo
Today · 4.125%
HK$40,573
baseline
▲ 0.50% · 4.625%
HK$43,041
+HK$2,468/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,146/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,473
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,612
−HK$1,156/mo
Today · 4.125%
HK$44,768
baseline
▲ 0.50% · 4.625%
HK$47,128
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,536/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,170 · Scale 2, in force from 26 Feb 2026)