LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,530
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,137
−HK$617/mo
Today · 4.125%
HK$20,754
baseline
▲ 0.50% · 4.625%
HK$22,017
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,508/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,727
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,309
−HK$591/mo
Today · 4.125%
HK$22,900
baseline
▲ 0.50% · 4.625%
HK$24,107
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,800/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,436
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,165
−HK$740/mo
Today · 4.125%
HK$24,905
baseline
▲ 0.50% · 4.625%
HK$26,421
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,810/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,072
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,771
−HK$709/mo
Today · 4.125%
HK$27,480
baseline
▲ 0.50% · 4.625%
HK$28,929
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,960/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,342
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,192
−HK$864/mo
Today · 4.125%
HK$29,056
baseline
▲ 0.50% · 4.625%
HK$30,824
+HK$1,768/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,112/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,417
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,233
−HK$827/mo
Today · 4.125%
HK$32,060
baseline
▲ 0.50% · 4.625%
HK$33,750
+HK$1,690/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,120/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,153
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,247
−HK$1,111/mo
Today · 4.125%
HK$37,358
baseline
▲ 0.50% · 4.625%
HK$39,631
+HK$2,273/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$74,716/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,108
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,157
−HK$1,064/mo
Today · 4.125%
HK$41,221
baseline
▲ 0.50% · 4.625%
HK$43,393
+HK$2,172/mo
Deposit HK$856K · loan HK$7.71M · min. income ≈ HK$82,442/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,941 · Scale 2, in force from 26 Feb 2026)