LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,502
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,109
−HK$616/mo
Today · 4.125%
HK$20,725
baseline
▲ 0.50% · 4.625%
HK$21,986
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,450/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,696
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,278
−HK$590/mo
Today · 4.125%
HK$22,868
baseline
▲ 0.50% · 4.625%
HK$24,074
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,736/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$256,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,403
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,131
−HK$739/mo
Today · 4.125%
HK$24,870
baseline
▲ 0.50% · 4.625%
HK$26,383
+HK$1,513/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,740/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,035
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,733
−HK$709/mo
Today · 4.125%
HK$27,442
baseline
▲ 0.50% · 4.625%
HK$28,888
+HK$1,446/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,884/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,303
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,152
−HK$863/mo
Today · 4.125%
HK$29,015
baseline
▲ 0.50% · 4.625%
HK$30,781
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,030/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,374
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,189
−HK$826/mo
Today · 4.125%
HK$32,015
baseline
▲ 0.50% · 4.625%
HK$33,703
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,030/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,104
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,196
−HK$1,109/mo
Today · 4.125%
HK$37,305
baseline
▲ 0.50% · 4.625%
HK$39,575
+HK$2,270/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$74,610/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,053
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,100
−HK$1,063/mo
Today · 4.125%
HK$41,163
baseline
▲ 0.50% · 4.625%
HK$43,332
+HK$2,169/mo
Deposit HK$855K · loan HK$7.70M · min. income ≈ HK$82,326/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,579 · Scale 2, in force from 26 Feb 2026)