LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,339
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,002
−HK$675/mo
Today · 4.125%
HK$22,677
baseline
▲ 0.50% · 4.625%
HK$24,057
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,354/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,739
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,376
−HK$646/mo
Today · 4.125%
HK$25,022
baseline
▲ 0.50% · 4.625%
HK$26,341
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,044/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$305,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,606
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,403
−HK$809/mo
Today · 4.125%
HK$27,212
baseline
▲ 0.50% · 4.625%
HK$28,868
+HK$1,656/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$54,424/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,487
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,251
−HK$775/mo
Today · 4.125%
HK$30,026
baseline
▲ 0.50% · 4.625%
HK$31,609
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.61M · min. income ≈ HK$60,052/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$305,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,874
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,803
−HK$945/mo
Today · 4.125%
HK$31,748
baseline
▲ 0.50% · 4.625%
HK$33,679
+HK$1,931/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,496/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,235
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,126
−HK$904/mo
Today · 4.125%
HK$35,030
baseline
▲ 0.50% · 4.625%
HK$36,877
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,060/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$305,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,410
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,604
−HK$1,214/mo
Today · 4.125%
HK$40,818
baseline
▲ 0.50% · 4.625%
HK$43,302
+HK$2,484/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$81,636/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,730
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,876
−HK$1,163/mo
Today · 4.125%
HK$45,039
baseline
▲ 0.50% · 4.625%
HK$47,413
+HK$2,374/mo
Deposit HK$936K · loan HK$8.42M · min. income ≈ HK$90,078/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$305,802 · Scale 2, in force from 26 Feb 2026)