LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,270
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,870
−HK$609/mo
Today · 4.125%
HK$20,479
baseline
▲ 0.50% · 4.625%
HK$21,725
+HK$1,246/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$40,958/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,438
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,013
−HK$583/mo
Today · 4.125%
HK$22,596
baseline
▲ 0.50% · 4.625%
HK$23,787
+HK$1,191/mo
Deposit HK$4.23M · loan HK$4.23M · min. income ≈ HK$45,192/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$253,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,124
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,844
−HK$730/mo
Today · 4.125%
HK$24,574
baseline
▲ 0.50% · 4.625%
HK$26,070
+HK$1,496/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$49,148/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,726
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,415
−HK$700/mo
Today · 4.125%
HK$27,115
baseline
▲ 0.50% · 4.625%
HK$28,545
+HK$1,430/mo
Deposit HK$3.38M · loan HK$5.07M · min. income ≈ HK$54,230/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$253,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,978
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,817
−HK$853/mo
Today · 4.125%
HK$28,670
baseline
▲ 0.50% · 4.625%
HK$30,415
+HK$1,745/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$57,340/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,013
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,818
−HK$817/mo
Today · 4.125%
HK$31,635
baseline
▲ 0.50% · 4.625%
HK$33,302
+HK$1,667/mo
Deposit HK$2.54M · loan HK$5.92M · min. income ≈ HK$63,270/mo (50% DSR)
Upfront cash ≈ HK$2.79M (deposit + AVD stamp duty HK$253,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,686
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,765
−HK$1,097/mo
Today · 4.125%
HK$36,862
baseline
▲ 0.50% · 4.625%
HK$39,104
+HK$2,242/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$73,724/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,588
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,623
−HK$1,050/mo
Today · 4.125%
HK$40,673
baseline
▲ 0.50% · 4.625%
HK$42,817
+HK$2,144/mo
Deposit HK$845K · loan HK$7.61M · min. income ≈ HK$81,346/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$253,528 · Scale 2, in force from 26 Feb 2026)