LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,213
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,872
−HK$671/mo
Today · 4.125%
HK$22,543
baseline
▲ 0.50% · 4.625%
HK$23,914
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,086/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,599
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,232
−HK$642/mo
Today · 4.125%
HK$24,874
baseline
▲ 0.50% · 4.625%
HK$26,185
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,748/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,455
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,247
−HK$804/mo
Today · 4.125%
HK$27,051
baseline
▲ 0.50% · 4.625%
HK$28,697
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,102/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,319
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,078
−HK$770/mo
Today · 4.125%
HK$29,848
baseline
▲ 0.50% · 4.625%
HK$31,422
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,696/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,698
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,621
−HK$939/mo
Today · 4.125%
HK$31,560
baseline
▲ 0.50% · 4.625%
HK$33,480
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,120/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,038
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,924
−HK$899/mo
Today · 4.125%
HK$34,823
baseline
▲ 0.50% · 4.625%
HK$36,659
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,646/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,183
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,370
−HK$1,207/mo
Today · 4.125%
HK$40,577
baseline
▲ 0.50% · 4.625%
HK$43,046
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,154/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,478
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,617
−HK$1,156/mo
Today · 4.125%
HK$44,773
baseline
▲ 0.50% · 4.625%
HK$47,133
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,546/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,272 · Scale 2, in force from 26 Feb 2026)