LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,346
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,010
−HK$675/mo
Today · 4.125%
HK$22,685
baseline
▲ 0.50% · 4.625%
HK$24,065
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,370/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,748
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,385
−HK$646/mo
Today · 4.125%
HK$25,031
baseline
▲ 0.50% · 4.625%
HK$26,350
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,062/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,616
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,413
−HK$809/mo
Today · 4.125%
HK$27,222
baseline
▲ 0.50% · 4.625%
HK$28,879
+HK$1,657/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,444/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,497
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,262
−HK$775/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,620
+HK$1,583/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,885
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,815
−HK$944/mo
Today · 4.125%
HK$31,759
baseline
▲ 0.50% · 4.625%
HK$33,692
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,518/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,247
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,139
−HK$904/mo
Today · 4.125%
HK$35,043
baseline
▲ 0.50% · 4.625%
HK$36,890
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,086/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,424
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,619
−HK$1,214/mo
Today · 4.125%
HK$40,833
baseline
▲ 0.50% · 4.625%
HK$43,318
+HK$2,485/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,666/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,746
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,892
−HK$1,163/mo
Today · 4.125%
HK$45,055
baseline
▲ 0.50% · 4.625%
HK$47,430
+HK$2,375/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,110/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,144 · Scale 2, in force from 26 Feb 2026)