LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,589
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,199
−HK$619/mo
Today · 4.125%
HK$20,818
baseline
▲ 0.50% · 4.625%
HK$22,084
+HK$1,266/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,636/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,793
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,377
−HK$593/mo
Today · 4.125%
HK$22,970
baseline
▲ 0.50% · 4.625%
HK$24,181
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,940/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,507
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,238
−HK$743/mo
Today · 4.125%
HK$24,981
baseline
▲ 0.50% · 4.625%
HK$26,501
+HK$1,520/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$49,962/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,151
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,853
−HK$711/mo
Today · 4.125%
HK$27,564
baseline
▲ 0.50% · 4.625%
HK$29,017
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.15M · min. income ≈ HK$55,128/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,425
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,278
−HK$867/mo
Today · 4.125%
HK$29,145
baseline
▲ 0.50% · 4.625%
HK$30,918
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,290/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,510
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,328
−HK$830/mo
Today · 4.125%
HK$32,158
baseline
▲ 0.50% · 4.625%
HK$33,854
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,316/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,261
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,358
−HK$1,114/mo
Today · 4.125%
HK$37,472
baseline
▲ 0.50% · 4.625%
HK$39,752
+HK$2,280/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,944/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,227
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,279
−HK$1,068/mo
Today · 4.125%
HK$41,347
baseline
▲ 0.50% · 4.625%
HK$43,526
+HK$2,179/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,694/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,726 · Scale 2, in force from 26 Feb 2026)