LTV · monthly repayment
▼ 0.50% · 3.625%
HK$21,350
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,014
−HK$675/mo
Today · 4.125%
HK$22,689
baseline
▲ 0.50% · 4.625%
HK$24,070
+HK$1,381/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$45,378/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,752
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,389
−HK$646/mo
Today · 4.125%
HK$25,035
baseline
▲ 0.50% · 4.625%
HK$26,355
+HK$1,320/mo
Deposit HK$4.68M · loan HK$4.68M · min. income ≈ HK$50,070/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$306,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,620
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,417
−HK$810/mo
Today · 4.125%
HK$27,227
baseline
▲ 0.50% · 4.625%
HK$28,884
+HK$1,657/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$54,454/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,502
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,267
−HK$775/mo
Today · 4.125%
HK$30,042
baseline
▲ 0.50% · 4.625%
HK$31,626
+HK$1,584/mo
Deposit HK$3.75M · loan HK$5.62M · min. income ≈ HK$60,084/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$306,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,890
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,820
−HK$945/mo
Today · 4.125%
HK$31,765
baseline
▲ 0.50% · 4.625%
HK$33,698
+HK$1,933/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$63,530/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,253
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,145
−HK$904/mo
Today · 4.125%
HK$35,049
baseline
▲ 0.50% · 4.625%
HK$36,897
+HK$1,848/mo
Deposit HK$2.81M · loan HK$6.55M · min. income ≈ HK$70,098/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$306,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,430
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,626
−HK$1,214/mo
Today · 4.125%
HK$40,840
baseline
▲ 0.50% · 4.625%
HK$43,325
+HK$2,485/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$81,680/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,754
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,900
−HK$1,163/mo
Today · 4.125%
HK$45,063
baseline
▲ 0.50% · 4.625%
HK$47,439
+HK$2,376/mo
Deposit HK$936K · loan HK$8.43M · min. income ≈ HK$90,126/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$306,310 · Scale 2, in force from 26 Feb 2026)