LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,221
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,881
−HK$671/mo
Today · 4.125%
HK$22,552
baseline
▲ 0.50% · 4.625%
HK$23,924
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,104/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,608
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,241
−HK$643/mo
Today · 4.125%
HK$24,884
baseline
▲ 0.50% · 4.625%
HK$26,195
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,768/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,465
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,257
−HK$805/mo
Today · 4.125%
HK$27,062
baseline
▲ 0.50% · 4.625%
HK$28,709
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,124/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,330
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,090
−HK$771/mo
Today · 4.125%
HK$29,861
baseline
▲ 0.50% · 4.625%
HK$31,434
+HK$1,573/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,722/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,710
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,634
−HK$939/mo
Today · 4.125%
HK$31,573
baseline
▲ 0.50% · 4.625%
HK$33,494
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,146/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,052
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,938
−HK$899/mo
Today · 4.125%
HK$34,837
baseline
▲ 0.50% · 4.625%
HK$36,674
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,674/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,198
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$39,386
−HK$1,207/mo
Today · 4.125%
HK$40,593
baseline
▲ 0.50% · 4.625%
HK$43,063
+HK$2,470/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,186/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,495
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,635
−HK$1,156/mo
Today · 4.125%
HK$44,791
baseline
▲ 0.50% · 4.625%
HK$47,152
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,582/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,646 · Scale 2, in force from 26 Feb 2026)