LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,213
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,873
−HK$671/mo
Today · 4.125%
HK$22,544
baseline
▲ 0.50% · 4.625%
HK$23,915
+HK$1,371/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,088/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,600
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,233
−HK$642/mo
Today · 4.125%
HK$24,875
baseline
▲ 0.50% · 4.625%
HK$26,186
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,750/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,456
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,248
−HK$804/mo
Today · 4.125%
HK$27,052
baseline
▲ 0.50% · 4.625%
HK$28,699
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,104/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,320
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,079
−HK$771/mo
Today · 4.125%
HK$29,850
baseline
▲ 0.50% · 4.625%
HK$31,423
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,700/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,699
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,623
−HK$938/mo
Today · 4.125%
HK$31,561
baseline
▲ 0.50% · 4.625%
HK$33,482
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,122/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,040
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,926
−HK$899/mo
Today · 4.125%
HK$34,825
baseline
▲ 0.50% · 4.625%
HK$36,660
+HK$1,835/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,650/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,184
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,372
−HK$1,207/mo
Today · 4.125%
HK$40,579
baseline
▲ 0.50% · 4.625%
HK$43,048
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,158/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,480
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,619
−HK$1,156/mo
Today · 4.125%
HK$44,775
baseline
▲ 0.50% · 4.625%
HK$47,135
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,550/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,310 · Scale 2, in force from 26 Feb 2026)