LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,599
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,209
−HK$619/mo
Today · 4.125%
HK$20,828
baseline
▲ 0.50% · 4.625%
HK$22,096
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,656/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,804
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,389
−HK$593/mo
Today · 4.125%
HK$22,982
baseline
▲ 0.50% · 4.625%
HK$24,193
+HK$1,211/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,964/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,519
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,251
−HK$743/mo
Today · 4.125%
HK$24,994
baseline
▲ 0.50% · 4.625%
HK$26,515
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,988/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,165
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,867
−HK$711/mo
Today · 4.125%
HK$27,578
baseline
▲ 0.50% · 4.625%
HK$29,032
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,156/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,439
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,293
−HK$867/mo
Today · 4.125%
HK$29,160
baseline
▲ 0.50% · 4.625%
HK$30,934
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,320/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,526
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,344
−HK$831/mo
Today · 4.125%
HK$32,175
baseline
▲ 0.50% · 4.625%
HK$33,871
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,350/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,279
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,376
−HK$1,115/mo
Today · 4.125%
HK$37,491
baseline
▲ 0.50% · 4.625%
HK$39,772
+HK$2,281/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$74,982/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,247
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,300
−HK$1,068/mo
Today · 4.125%
HK$41,368
baseline
▲ 0.50% · 4.625%
HK$43,548
+HK$2,180/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,736/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,857 · Scale 2, in force from 26 Feb 2026)