LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,256
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,855
−HK$609/mo
Today · 4.125%
HK$20,464
baseline
▲ 0.50% · 4.625%
HK$21,709
+HK$1,245/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$40,928/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,422
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,997
−HK$583/mo
Today · 4.125%
HK$22,580
baseline
▲ 0.50% · 4.625%
HK$23,770
+HK$1,190/mo
Deposit HK$4.22M · loan HK$4.22M · min. income ≈ HK$45,160/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,107
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,826
−HK$730/mo
Today · 4.125%
HK$24,556
baseline
▲ 0.50% · 4.625%
HK$26,051
+HK$1,495/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,112/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,707
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,396
−HK$699/mo
Today · 4.125%
HK$27,095
baseline
▲ 0.50% · 4.625%
HK$28,524
+HK$1,429/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,190/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,959
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,797
−HK$852/mo
Today · 4.125%
HK$28,649
baseline
▲ 0.50% · 4.625%
HK$30,392
+HK$1,743/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$57,298/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,991
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,795
−HK$816/mo
Today · 4.125%
HK$31,611
baseline
▲ 0.50% · 4.625%
HK$33,278
+HK$1,667/mo
Deposit HK$2.53M · loan HK$5.91M · min. income ≈ HK$63,222/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,661
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,739
−HK$1,095/mo
Today · 4.125%
HK$36,834
baseline
▲ 0.50% · 4.625%
HK$39,076
+HK$2,242/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$73,668/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,560
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,594
−HK$1,049/mo
Today · 4.125%
HK$40,643
baseline
▲ 0.50% · 4.625%
HK$42,786
+HK$2,143/mo
Deposit HK$844K · loan HK$7.60M · min. income ≈ HK$81,286/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,341 · Scale 2, in force from 26 Feb 2026)