LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,527
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,135
−HK$617/mo
Today · 4.125%
HK$20,752
baseline
▲ 0.50% · 4.625%
HK$22,014
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,504/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,724
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,306
−HK$592/mo
Today · 4.125%
HK$22,898
baseline
▲ 0.50% · 4.625%
HK$24,105
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,796/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,433
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,162
−HK$740/mo
Today · 4.125%
HK$24,902
baseline
▲ 0.50% · 4.625%
HK$26,417
+HK$1,515/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,804/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,069
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,768
−HK$709/mo
Today · 4.125%
HK$27,477
baseline
▲ 0.50% · 4.625%
HK$28,925
+HK$1,448/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,954/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,338
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,189
−HK$863/mo
Today · 4.125%
HK$29,052
baseline
▲ 0.50% · 4.625%
HK$30,820
+HK$1,768/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,104/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,413
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,229
−HK$828/mo
Today · 4.125%
HK$32,057
baseline
▲ 0.50% · 4.625%
HK$33,746
+HK$1,689/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,114/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,149
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$36,242
−HK$1,111/mo
Today · 4.125%
HK$37,353
baseline
▲ 0.50% · 4.625%
HK$39,626
+HK$2,273/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,706/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,103
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,152
−HK$1,064/mo
Today · 4.125%
HK$41,216
baseline
▲ 0.50% · 4.625%
HK$43,388
+HK$2,172/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,432/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,909 · Scale 2, in force from 26 Feb 2026)