LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,223
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,884
−HK$670/mo
Today · 4.125%
HK$22,554
baseline
▲ 0.50% · 4.625%
HK$23,927
+HK$1,373/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$45,108/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,611
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,244
−HK$642/mo
Today · 4.125%
HK$24,886
baseline
▲ 0.50% · 4.625%
HK$26,198
+HK$1,312/mo
Deposit HK$4.65M · loan HK$4.65M · min. income ≈ HK$49,772/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$300,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,468
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,260
−HK$805/mo
Today · 4.125%
HK$27,065
baseline
▲ 0.50% · 4.625%
HK$28,712
+HK$1,647/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$54,130/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,333
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,093
−HK$771/mo
Today · 4.125%
HK$29,864
baseline
▲ 0.50% · 4.625%
HK$31,438
+HK$1,574/mo
Deposit HK$3.72M · loan HK$5.58M · min. income ≈ HK$59,728/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$300,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,713
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,637
−HK$939/mo
Today · 4.125%
HK$31,576
baseline
▲ 0.50% · 4.625%
HK$33,497
+HK$1,921/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$63,152/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,055
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,942
−HK$899/mo
Today · 4.125%
HK$34,841
baseline
▲ 0.50% · 4.625%
HK$36,678
+HK$1,837/mo
Deposit HK$2.79M · loan HK$6.52M · min. income ≈ HK$69,682/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$300,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,202
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,390
−HK$1,208/mo
Today · 4.125%
HK$40,598
baseline
▲ 0.50% · 4.625%
HK$43,068
+HK$2,470/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$81,196/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,499
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$43,639
−HK$1,157/mo
Today · 4.125%
HK$44,796
baseline
▲ 0.50% · 4.625%
HK$47,157
+HK$2,361/mo
Deposit HK$931K · loan HK$8.38M · min. income ≈ HK$89,592/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$300,746 · Scale 2, in force from 26 Feb 2026)