LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,328
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,991
−HK$674/mo
Today · 4.125%
HK$22,665
baseline
▲ 0.50% · 4.625%
HK$24,045
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,330/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,727
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,363
−HK$646/mo
Today · 4.125%
HK$25,009
baseline
▲ 0.50% · 4.625%
HK$26,327
+HK$1,318/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,018/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,594
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,390
−HK$808/mo
Today · 4.125%
HK$27,198
baseline
▲ 0.50% · 4.625%
HK$28,853
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,396/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,473
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,236
−HK$775/mo
Today · 4.125%
HK$30,011
baseline
▲ 0.50% · 4.625%
HK$31,593
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,022/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,859
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,788
−HK$944/mo
Today · 4.125%
HK$31,732
baseline
▲ 0.50% · 4.625%
HK$33,662
+HK$1,930/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,464/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,218
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,109
−HK$904/mo
Today · 4.125%
HK$35,013
baseline
▲ 0.50% · 4.625%
HK$36,858
+HK$1,845/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,026/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,390
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,584
−HK$1,214/mo
Today · 4.125%
HK$40,798
baseline
▲ 0.50% · 4.625%
HK$43,280
+HK$2,482/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,596/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,709
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,854
−HK$1,162/mo
Today · 4.125%
HK$45,016
baseline
▲ 0.50% · 4.625%
HK$47,389
+HK$2,373/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,032/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,330 · Scale 2, in force from 26 Feb 2026)