LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,529
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,136
−HK$617/mo
Today · 4.125%
HK$20,753
baseline
▲ 0.50% · 4.625%
HK$22,016
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,506/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,725
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,308
−HK$591/mo
Today · 4.125%
HK$22,899
baseline
▲ 0.50% · 4.625%
HK$24,106
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,798/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,434
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,163
−HK$741/mo
Today · 4.125%
HK$24,904
baseline
▲ 0.50% · 4.625%
HK$26,419
+HK$1,515/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,808/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,070
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,770
−HK$709/mo
Today · 4.125%
HK$27,479
baseline
▲ 0.50% · 4.625%
HK$28,927
+HK$1,448/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,958/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,340
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,190
−HK$865/mo
Today · 4.125%
HK$29,055
baseline
▲ 0.50% · 4.625%
HK$30,822
+HK$1,767/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$58,110/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,416
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,231
−HK$828/mo
Today · 4.125%
HK$32,059
baseline
▲ 0.50% · 4.625%
HK$33,749
+HK$1,690/mo
Deposit HK$2.57M · loan HK$5.99M · min. income ≈ HK$64,118/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,151
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,245
−HK$1,111/mo
Today · 4.125%
HK$37,356
baseline
▲ 0.50% · 4.625%
HK$39,629
+HK$2,273/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,712/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,106
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,154
−HK$1,064/mo
Today · 4.125%
HK$41,218
baseline
▲ 0.50% · 4.625%
HK$43,391
+HK$2,173/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,436/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,927 · Scale 2, in force from 26 Feb 2026)