LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,217
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$671/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,920
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,473 · 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$26,191
+HK$1,312/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$300,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,461
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,253
−HK$804/mo
Today · 4.125%
HK$27,057
baseline
▲ 0.50% · 4.625%
HK$28,704
+HK$1,647/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$300,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,325
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$771/mo
Today · 4.125%
HK$29,855
baseline
▲ 0.50% · 4.625%
HK$31,429
+HK$1,574/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$300,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,704
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,628
−HK$939/mo
Today · 4.125%
HK$31,567
baseline
▲ 0.50% · 4.625%
HK$33,488
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,134/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,045
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,932
−HK$899/mo
Today · 4.125%
HK$34,831
baseline
▲ 0.50% · 4.625%
HK$36,667
+HK$1,836/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,662/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,191
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,379
−HK$1,207/mo
Today · 4.125%
HK$40,586
baseline
▲ 0.50% · 4.625%
HK$43,055
+HK$2,469/mo
Deposit HK$930K · loan HK$8.37M · min. income ≈ HK$81,172/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,487
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,626
−HK$1,156/mo
Today · 4.125%
HK$44,782
baseline
▲ 0.50% · 4.625%
HK$47,143
+HK$2,361/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$300,473 · Scale 2, in force from 26 Feb 2026)