LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,222
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,820
−HK$607/mo
Today · 4.125%
HK$20,427
baseline
▲ 0.50% · 4.625%
HK$21,670
+HK$1,243/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,854/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,384
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,958
−HK$582/mo
Today · 4.125%
HK$22,540
baseline
▲ 0.50% · 4.625%
HK$23,728
+HK$1,188/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,080/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,067
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,784
−HK$729/mo
Today · 4.125%
HK$24,513
baseline
▲ 0.50% · 4.625%
HK$26,005
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,026/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,661
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,349
−HK$699/mo
Today · 4.125%
HK$27,048
baseline
▲ 0.50% · 4.625%
HK$28,473
+HK$1,425/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,096/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,911
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,748
−HK$850/mo
Today · 4.125%
HK$28,598
baseline
▲ 0.50% · 4.625%
HK$30,339
+HK$1,741/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,196/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,938
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,741
−HK$815/mo
Today · 4.125%
HK$31,556
baseline
▲ 0.50% · 4.625%
HK$33,219
+HK$1,663/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,112/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,600
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,676
−HK$1,093/mo
Today · 4.125%
HK$36,769
baseline
▲ 0.50% · 4.625%
HK$39,007
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,538/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,492
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,524
−HK$1,048/mo
Today · 4.125%
HK$40,572
baseline
▲ 0.50% · 4.625%
HK$42,710
+HK$2,138/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,144/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,894 · Scale 2, in force from 26 Feb 2026)