LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,217
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$670/mo
Today · 4.125%
HK$22,547
baseline
▲ 0.50% · 4.625%
HK$23,919
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,094/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,604
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,237
−HK$642/mo
Today · 4.125%
HK$24,879
baseline
▲ 0.50% · 4.625%
HK$26,190
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,758/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,460
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,252
−HK$805/mo
Today · 4.125%
HK$27,057
baseline
▲ 0.50% · 4.625%
HK$28,703
+HK$1,646/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,114/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,324
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$771/mo
Today · 4.125%
HK$29,855
baseline
▲ 0.50% · 4.625%
HK$31,428
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,710/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,704
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,628
−HK$938/mo
Today · 4.125%
HK$31,566
baseline
▲ 0.50% · 4.625%
HK$33,487
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,132/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,045
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,931
−HK$899/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,666
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,190
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,378
−HK$1,207/mo
Today · 4.125%
HK$40,585
baseline
▲ 0.50% · 4.625%
HK$43,055
+HK$2,470/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,170/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,486
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,626
−HK$1,156/mo
Today · 4.125%
HK$44,782
baseline
▲ 0.50% · 4.625%
HK$47,142
+HK$2,360/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$89,564/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,462 · Scale 2, in force from 26 Feb 2026)