LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,331
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,994
−HK$674/mo
Today · 4.125%
HK$22,668
baseline
▲ 0.50% · 4.625%
HK$24,048
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,336/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,730
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,367
−HK$645/mo
Today · 4.125%
HK$25,012
baseline
▲ 0.50% · 4.625%
HK$26,331
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,024/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,597
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,393
−HK$809/mo
Today · 4.125%
HK$27,202
baseline
▲ 0.50% · 4.625%
HK$28,857
+HK$1,655/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,404/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,476
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,240
−HK$775/mo
Today · 4.125%
HK$30,015
baseline
▲ 0.50% · 4.625%
HK$31,597
+HK$1,582/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,030/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,863
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,792
−HK$943/mo
Today · 4.125%
HK$31,735
baseline
▲ 0.50% · 4.625%
HK$33,667
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,470/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,222
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,113
−HK$904/mo
Today · 4.125%
HK$35,017
baseline
▲ 0.50% · 4.625%
HK$36,863
+HK$1,846/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,034/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,395
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,589
−HK$1,214/mo
Today · 4.125%
HK$40,803
baseline
▲ 0.50% · 4.625%
HK$43,286
+HK$2,483/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$81,606/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,714
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,860
−HK$1,162/mo
Today · 4.125%
HK$45,022
baseline
▲ 0.50% · 4.625%
HK$47,395
+HK$2,373/mo
Deposit HK$935K · loan HK$8.42M · min. income ≈ HK$90,044/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,448 · Scale 2, in force from 26 Feb 2026)