LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,226
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,824
−HK$607/mo
Today · 4.125%
HK$20,431
baseline
▲ 0.50% · 4.625%
HK$21,674
+HK$1,243/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,862/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,388
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,962
−HK$582/mo
Today · 4.125%
HK$22,544
baseline
▲ 0.50% · 4.625%
HK$23,732
+HK$1,188/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,088/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$252,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,071
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,788
−HK$729/mo
Today · 4.125%
HK$24,517
baseline
▲ 0.50% · 4.625%
HK$26,009
+HK$1,492/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$49,034/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,666
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,354
−HK$699/mo
Today · 4.125%
HK$27,053
baseline
▲ 0.50% · 4.625%
HK$28,479
+HK$1,426/mo
Deposit HK$3.37M · loan HK$5.06M · min. income ≈ HK$54,106/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$252,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,916
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,753
−HK$851/mo
Today · 4.125%
HK$28,604
baseline
▲ 0.50% · 4.625%
HK$30,344
+HK$1,740/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$57,208/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,944
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,747
−HK$814/mo
Today · 4.125%
HK$31,561
baseline
▲ 0.50% · 4.625%
HK$33,225
+HK$1,664/mo
Deposit HK$2.53M · loan HK$5.90M · min. income ≈ HK$63,122/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,606
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,682
−HK$1,094/mo
Today · 4.125%
HK$36,776
baseline
▲ 0.50% · 4.625%
HK$39,014
+HK$2,238/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$73,552/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,499
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,531
−HK$1,048/mo
Today · 4.125%
HK$40,579
baseline
▲ 0.50% · 4.625%
HK$42,718
+HK$2,139/mo
Deposit HK$843K · loan HK$7.59M · min. income ≈ HK$81,158/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$252,940 · Scale 2, in force from 26 Feb 2026)