LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,512
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,119
−HK$617/mo
Today · 4.125%
HK$20,736
baseline
▲ 0.50% · 4.625%
HK$21,997
+HK$1,261/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,472/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,707
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,289
−HK$591/mo
Today · 4.125%
HK$22,880
baseline
▲ 0.50% · 4.625%
HK$24,086
+HK$1,206/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,760/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,415
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,143
−HK$740/mo
Today · 4.125%
HK$24,883
baseline
▲ 0.50% · 4.625%
HK$26,397
+HK$1,514/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$49,766/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,048
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,747
−HK$709/mo
Today · 4.125%
HK$27,456
baseline
▲ 0.50% · 4.625%
HK$28,903
+HK$1,447/mo
Deposit HK$3.42M · loan HK$5.13M · min. income ≈ HK$54,912/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,317
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,167
−HK$863/mo
Today · 4.125%
HK$29,030
baseline
▲ 0.50% · 4.625%
HK$30,796
+HK$1,766/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,060/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,390
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,205
−HK$827/mo
Today · 4.125%
HK$32,032
baseline
▲ 0.50% · 4.625%
HK$33,720
+HK$1,688/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,064/mo (50% DSR)
Upfront cash ≈ HK$2.82M (deposit + AVD stamp duty HK$256,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,122
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$36,214
−HK$1,110/mo
Today · 4.125%
HK$37,324
baseline
▲ 0.50% · 4.625%
HK$39,595
+HK$2,271/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$74,648/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,073
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$40,121
−HK$1,063/mo
Today · 4.125%
HK$41,184
baseline
▲ 0.50% · 4.625%
HK$43,354
+HK$2,170/mo
Deposit HK$856K · loan HK$7.70M · min. income ≈ HK$82,368/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,710 · Scale 2, in force from 26 Feb 2026)