LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,594
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,203
−HK$620/mo
Today · 4.125%
HK$20,823
baseline
▲ 0.50% · 4.625%
HK$22,090
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,646/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,798
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,383
−HK$593/mo
Today · 4.125%
HK$22,976
baseline
▲ 0.50% · 4.625%
HK$24,187
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,952/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$257,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,513
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,244
−HK$743/mo
Today · 4.125%
HK$24,987
baseline
▲ 0.50% · 4.625%
HK$26,508
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,974/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,158
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,859
−HK$712/mo
Today · 4.125%
HK$27,571
baseline
▲ 0.50% · 4.625%
HK$29,024
+HK$1,453/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,142/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,432
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,285
−HK$867/mo
Today · 4.125%
HK$29,152
baseline
▲ 0.50% · 4.625%
HK$30,926
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,304/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,517
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,336
−HK$830/mo
Today · 4.125%
HK$32,166
baseline
▲ 0.50% · 4.625%
HK$33,862
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,332/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,269
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,366
−HK$1,115/mo
Today · 4.125%
HK$37,481
baseline
▲ 0.50% · 4.625%
HK$39,761
+HK$2,280/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$74,962/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,237
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,289
−HK$1,067/mo
Today · 4.125%
HK$41,356
baseline
▲ 0.50% · 4.625%
HK$43,536
+HK$2,180/mo
Deposit HK$859K · loan HK$7.73M · min. income ≈ HK$82,712/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,787 · Scale 2, in force from 26 Feb 2026)