LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,601
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,211
−HK$619/mo
Today · 4.125%
HK$20,830
baseline
▲ 0.50% · 4.625%
HK$22,098
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,660/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,806
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,391
−HK$593/mo
Today · 4.125%
HK$22,984
baseline
▲ 0.50% · 4.625%
HK$24,196
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,968/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,521
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,253
−HK$743/mo
Today · 4.125%
HK$24,996
baseline
▲ 0.50% · 4.625%
HK$26,517
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$49,992/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,167
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,869
−HK$712/mo
Today · 4.125%
HK$27,581
baseline
▲ 0.50% · 4.625%
HK$29,035
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,162/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,442
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,295
−HK$868/mo
Today · 4.125%
HK$29,163
baseline
▲ 0.50% · 4.625%
HK$30,937
+HK$1,774/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,326/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,529
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,347
−HK$831/mo
Today · 4.125%
HK$32,178
baseline
▲ 0.50% · 4.625%
HK$33,874
+HK$1,696/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,356/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,282
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,380
−HK$1,115/mo
Today · 4.125%
HK$37,495
baseline
▲ 0.50% · 4.625%
HK$39,776
+HK$2,281/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$74,990/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,251
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,304
−HK$1,068/mo
Today · 4.125%
HK$41,372
baseline
▲ 0.50% · 4.625%
HK$43,552
+HK$2,180/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,744/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,882 · Scale 2, in force from 26 Feb 2026)