LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,524
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,131
−HK$618/mo
Today · 4.125%
HK$20,749
baseline
▲ 0.50% · 4.625%
HK$22,011
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,498/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,720
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,303
−HK$591/mo
Today · 4.125%
HK$22,894
baseline
▲ 0.50% · 4.625%
HK$24,101
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,788/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,429
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,158
−HK$740/mo
Today · 4.125%
HK$24,898
baseline
▲ 0.50% · 4.625%
HK$26,413
+HK$1,515/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$49,796/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,065
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,764
−HK$709/mo
Today · 4.125%
HK$27,473
baseline
▲ 0.50% · 4.625%
HK$28,921
+HK$1,448/mo
Deposit HK$3.42M · loan HK$5.14M · min. income ≈ HK$54,946/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,334
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,184
−HK$864/mo
Today · 4.125%
HK$29,048
baseline
▲ 0.50% · 4.625%
HK$30,815
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,096/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,409
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,224
−HK$828/mo
Today · 4.125%
HK$32,052
baseline
▲ 0.50% · 4.625%
HK$33,741
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,104/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,144
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,237
−HK$1,110/mo
Today · 4.125%
HK$37,347
baseline
▲ 0.50% · 4.625%
HK$39,620
+HK$2,273/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,694/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,097
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,145
−HK$1,064/mo
Today · 4.125%
HK$41,209
baseline
▲ 0.50% · 4.625%
HK$43,381
+HK$2,172/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,418/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,869 · Scale 2, in force from 26 Feb 2026)