LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,532
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,139
−HK$618/mo
Today · 4.125%
HK$20,757
baseline
▲ 0.50% · 4.625%
HK$22,020
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,514/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,729
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,312
−HK$591/mo
Today · 4.125%
HK$22,903
baseline
▲ 0.50% · 4.625%
HK$24,110
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,806/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$256,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,438
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,167
−HK$741/mo
Today · 4.125%
HK$24,908
baseline
▲ 0.50% · 4.625%
HK$26,424
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,816/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,075
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,774
−HK$710/mo
Today · 4.125%
HK$27,484
baseline
▲ 0.50% · 4.625%
HK$28,932
+HK$1,448/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,968/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$256,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,345
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,195
−HK$864/mo
Today · 4.125%
HK$29,059
baseline
▲ 0.50% · 4.625%
HK$30,828
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,118/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,421
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,236
−HK$828/mo
Today · 4.125%
HK$32,064
baseline
▲ 0.50% · 4.625%
HK$33,754
+HK$1,690/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,128/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$256,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,157
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,251
−HK$1,111/mo
Today · 4.125%
HK$37,362
baseline
▲ 0.50% · 4.625%
HK$39,635
+HK$2,273/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,724/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,112
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,161
−HK$1,064/mo
Today · 4.125%
HK$41,225
baseline
▲ 0.50% · 4.625%
HK$43,398
+HK$2,173/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,450/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$256,970 · Scale 2, in force from 26 Feb 2026)