LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,211
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,871
−HK$670/mo
Today · 4.125%
HK$22,541
baseline
▲ 0.50% · 4.625%
HK$23,913
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,082/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,597
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,230
−HK$642/mo
Today · 4.125%
HK$24,872
baseline
▲ 0.50% · 4.625%
HK$26,183
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,744/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,453
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,245
−HK$804/mo
Today · 4.125%
HK$27,049
baseline
▲ 0.50% · 4.625%
HK$28,695
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,098/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,316
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,076
−HK$770/mo
Today · 4.125%
HK$29,846
baseline
▲ 0.50% · 4.625%
HK$31,419
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,692/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,695
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,619
−HK$938/mo
Today · 4.125%
HK$31,557
baseline
▲ 0.50% · 4.625%
HK$33,478
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,114/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,036
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,922
−HK$898/mo
Today · 4.125%
HK$34,820
baseline
▲ 0.50% · 4.625%
HK$36,656
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,640/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,180
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,367
−HK$1,207/mo
Today · 4.125%
HK$40,574
baseline
▲ 0.50% · 4.625%
HK$43,043
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,148/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,474
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,614
−HK$1,155/mo
Today · 4.125%
HK$44,769
baseline
▲ 0.50% · 4.625%
HK$47,129
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,538/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,197 · Scale 2, in force from 26 Feb 2026)