LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,222
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,882
−HK$671/mo
Today · 4.125%
HK$22,553
baseline
▲ 0.50% · 4.625%
HK$23,925
+HK$1,372/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,106/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,609
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,242
−HK$643/mo
Today · 4.125%
HK$24,885
baseline
▲ 0.50% · 4.625%
HK$26,196
+HK$1,311/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,770/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,466
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,258
−HK$805/mo
Today · 4.125%
HK$27,063
baseline
▲ 0.50% · 4.625%
HK$28,710
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,126/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,331
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,091
−HK$770/mo
Today · 4.125%
HK$29,861
baseline
▲ 0.50% · 4.625%
HK$31,435
+HK$1,574/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$300,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,710
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,635
−HK$939/mo
Today · 4.125%
HK$31,574
baseline
▲ 0.50% · 4.625%
HK$33,495
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$63,148/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,053
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,939
−HK$899/mo
Today · 4.125%
HK$34,838
baseline
▲ 0.50% · 4.625%
HK$36,675
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.51M · min. income ≈ HK$69,676/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,199
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,387
−HK$1,208/mo
Today · 4.125%
HK$40,595
baseline
▲ 0.50% · 4.625%
HK$43,065
+HK$2,470/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,190/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,496
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,636
−HK$1,156/mo
Today · 4.125%
HK$44,792
baseline
▲ 0.50% · 4.625%
HK$47,153
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,584/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,675 · Scale 2, in force from 26 Feb 2026)