LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,466
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$615/mo
Today · 4.125%
HK$20,686
baseline
▲ 0.50% · 4.625%
HK$21,945
+HK$1,259/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$41,372/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,655
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,236
−HK$589/mo
Today · 4.125%
HK$22,825
baseline
▲ 0.50% · 4.625%
HK$24,028
+HK$1,203/mo
Deposit HK$4.27M · loan HK$4.27M · min. income ≈ HK$45,650/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$256,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,359
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$739/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,334
+HK$1,510/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,986
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,683
−HK$707/mo
Today · 4.125%
HK$27,390
baseline
▲ 0.50% · 4.625%
HK$28,834
+HK$1,444/mo
Deposit HK$3.41M · loan HK$5.12M · min. income ≈ HK$54,780/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$256,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,252
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,100
−HK$861/mo
Today · 4.125%
HK$28,961
baseline
▲ 0.50% · 4.625%
HK$30,723
+HK$1,762/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$57,922/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,318
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,131
−HK$824/mo
Today · 4.125%
HK$31,955
baseline
▲ 0.50% · 4.625%
HK$33,640
+HK$1,685/mo
Deposit HK$2.56M · loan HK$5.98M · min. income ≈ HK$63,910/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,038
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,128
−HK$1,107/mo
Today · 4.125%
HK$37,235
baseline
▲ 0.50% · 4.625%
HK$39,501
+HK$2,266/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$74,470/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,980
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,025
−HK$1,061/mo
Today · 4.125%
HK$41,086
baseline
▲ 0.50% · 4.625%
HK$43,251
+HK$2,165/mo
Deposit HK$854K · loan HK$7.68M · min. income ≈ HK$82,172/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,099 · Scale 2, in force from 26 Feb 2026)