LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,525
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,132
−HK$617/mo
Today · 4.125%
HK$20,749
baseline
▲ 0.50% · 4.625%
HK$22,012
+HK$1,263/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$256,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,721
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,304
−HK$591/mo
Today · 4.125%
HK$22,895
baseline
▲ 0.50% · 4.625%
HK$24,102
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,790/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,430
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,159
−HK$740/mo
Today · 4.125%
HK$24,899
baseline
▲ 0.50% · 4.625%
HK$26,414
+HK$1,515/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,798/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,066
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,765
−HK$709/mo
Today · 4.125%
HK$27,474
baseline
▲ 0.50% · 4.625%
HK$28,922
+HK$1,448/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,948/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,335
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,185
−HK$864/mo
Today · 4.125%
HK$29,049
baseline
▲ 0.50% · 4.625%
HK$30,817
+HK$1,768/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,098/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,410
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,226
−HK$827/mo
Today · 4.125%
HK$32,053
baseline
▲ 0.50% · 4.625%
HK$33,743
+HK$1,690/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,106/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,145
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,238
−HK$1,111/mo
Today · 4.125%
HK$37,349
baseline
▲ 0.50% · 4.625%
HK$39,622
+HK$2,273/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,698/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,099
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,147
−HK$1,064/mo
Today · 4.125%
HK$41,211
baseline
▲ 0.50% · 4.625%
HK$43,383
+HK$2,172/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,422/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,881 · Scale 2, in force from 26 Feb 2026)