LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,530
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,137
−HK$618/mo
Today · 4.125%
HK$20,755
baseline
▲ 0.50% · 4.625%
HK$22,017
+HK$1,262/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,510/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,727
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,309
−HK$592/mo
Today · 4.125%
HK$22,901
baseline
▲ 0.50% · 4.625%
HK$24,108
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,802/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,944 · 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$256,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,072
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,771
−HK$710/mo
Today · 4.125%
HK$27,481
baseline
▲ 0.50% · 4.625%
HK$28,929
+HK$1,448/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,962/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,944 · 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$256,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,417
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,233
−HK$828/mo
Today · 4.125%
HK$32,061
baseline
▲ 0.50% · 4.625%
HK$33,751
+HK$1,690/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,122/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,154
−HK$2,204/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$256,944 · 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$43,394
+HK$2,173/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$256,944 · Scale 2, in force from 26 Feb 2026)