LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,348
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,012
−HK$675/mo
Today · 4.125%
HK$22,687
baseline
▲ 0.50% · 4.625%
HK$24,067
+HK$1,380/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,374/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,750
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,387
−HK$646/mo
Today · 4.125%
HK$25,033
baseline
▲ 0.50% · 4.625%
HK$26,352
+HK$1,319/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,066/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,618
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$26,415
−HK$809/mo
Today · 4.125%
HK$27,224
baseline
▲ 0.50% · 4.625%
HK$28,881
+HK$1,657/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$54,448/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,500
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,264
−HK$775/mo
Today · 4.125%
HK$30,039
baseline
▲ 0.50% · 4.625%
HK$31,623
+HK$1,584/mo
Deposit HK$3.74M · loan HK$5.62M · min. income ≈ HK$60,078/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,887
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,817
−HK$945/mo
Today · 4.125%
HK$31,762
baseline
▲ 0.50% · 4.625%
HK$33,694
+HK$1,932/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,524/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,249
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,141
−HK$905/mo
Today · 4.125%
HK$35,046
baseline
▲ 0.50% · 4.625%
HK$36,893
+HK$1,847/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,092/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$306,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,427
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,622
−HK$1,214/mo
Today · 4.125%
HK$40,836
baseline
▲ 0.50% · 4.625%
HK$43,321
+HK$2,485/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,672/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,749
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,896
−HK$1,163/mo
Today · 4.125%
HK$45,059
baseline
▲ 0.50% · 4.625%
HK$47,434
+HK$2,375/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,118/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,219 · Scale 2, in force from 26 Feb 2026)