LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,592
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,201
−HK$619/mo
Today · 4.125%
HK$20,820
baseline
▲ 0.50% · 4.625%
HK$22,087
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,640/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,796
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,380
−HK$593/mo
Today · 4.125%
HK$22,973
baseline
▲ 0.50% · 4.625%
HK$24,184
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,946/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,510
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,241
−HK$743/mo
Today · 4.125%
HK$24,984
baseline
▲ 0.50% · 4.625%
HK$26,505
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,968/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,155
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,856
−HK$712/mo
Today · 4.125%
HK$27,568
baseline
▲ 0.50% · 4.625%
HK$29,021
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,136/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,428
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,282
−HK$867/mo
Today · 4.125%
HK$29,149
baseline
▲ 0.50% · 4.625%
HK$30,922
+HK$1,773/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$58,298/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,514
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,332
−HK$830/mo
Today · 4.125%
HK$32,162
baseline
▲ 0.50% · 4.625%
HK$33,858
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.01M · min. income ≈ HK$64,324/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,265
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,362
−HK$1,115/mo
Today · 4.125%
HK$37,477
baseline
▲ 0.50% · 4.625%
HK$39,757
+HK$2,280/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,954/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,232
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,284
−HK$1,068/mo
Today · 4.125%
HK$41,352
baseline
▲ 0.50% · 4.625%
HK$43,531
+HK$2,179/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,704/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,758 · Scale 2, in force from 26 Feb 2026)