LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,606
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,216
−HK$620/mo
Today · 4.125%
HK$20,836
baseline
▲ 0.50% · 4.625%
HK$22,103
+HK$1,267/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,672/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,812
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,397
−HK$593/mo
Today · 4.125%
HK$22,990
baseline
▲ 0.50% · 4.625%
HK$24,202
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,980/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,527
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,259
−HK$744/mo
Today · 4.125%
HK$25,003
baseline
▲ 0.50% · 4.625%
HK$26,524
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,006/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,174
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,876
−HK$712/mo
Today · 4.125%
HK$27,588
baseline
▲ 0.50% · 4.625%
HK$29,042
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,176/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,449
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,302
−HK$868/mo
Today · 4.125%
HK$29,170
baseline
▲ 0.50% · 4.625%
HK$30,945
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,340/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,536
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,355
−HK$831/mo
Today · 4.125%
HK$32,186
baseline
▲ 0.50% · 4.625%
HK$33,883
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,372/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,291
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,389
−HK$1,115/mo
Today · 4.125%
HK$37,504
baseline
▲ 0.50% · 4.625%
HK$39,786
+HK$2,282/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,008/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,261
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,314
−HK$1,068/mo
Today · 4.125%
HK$41,382
baseline
▲ 0.50% · 4.625%
HK$43,563
+HK$2,181/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,764/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,948 · Scale 2, in force from 26 Feb 2026)