LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,214
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,874
−HK$671/mo
Today · 4.125%
HK$22,545
baseline
▲ 0.50% · 4.625%
HK$23,917
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,090/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,601
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,234
−HK$642/mo
Today · 4.125%
HK$24,876
baseline
▲ 0.50% · 4.625%
HK$26,187
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,752/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,457
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,249
−HK$805/mo
Today · 4.125%
HK$27,054
baseline
▲ 0.50% · 4.625%
HK$28,700
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,108/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,321
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,081
−HK$770/mo
Today · 4.125%
HK$29,851
baseline
▲ 0.50% · 4.625%
HK$31,425
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,702/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,700
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,624
−HK$939/mo
Today · 4.125%
HK$31,563
baseline
▲ 0.50% · 4.625%
HK$33,483
+HK$1,920/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,126/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,041
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,927
−HK$899/mo
Today · 4.125%
HK$34,826
baseline
▲ 0.50% · 4.625%
HK$36,662
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,652/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,186
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,374
−HK$1,207/mo
Today · 4.125%
HK$40,581
baseline
▲ 0.50% · 4.625%
HK$43,050
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,162/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,482
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,621
−HK$1,156/mo
Today · 4.125%
HK$44,777
baseline
▲ 0.50% · 4.625%
HK$47,137
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,554/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,356 · Scale 2, in force from 26 Feb 2026)