LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,607
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,217
−HK$619/mo
Today · 4.125%
HK$20,836
baseline
▲ 0.50% · 4.625%
HK$22,104
+HK$1,268/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$257,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,812
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,397
−HK$594/mo
Today · 4.125%
HK$22,991
baseline
▲ 0.50% · 4.625%
HK$24,203
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,982/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$257,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,528
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,260
−HK$744/mo
Today · 4.125%
HK$25,004
baseline
▲ 0.50% · 4.625%
HK$26,525
+HK$1,521/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,008/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,175
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,877
−HK$712/mo
Today · 4.125%
HK$27,589
baseline
▲ 0.50% · 4.625%
HK$29,043
+HK$1,454/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,178/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$257,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,450
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,303
−HK$868/mo
Today · 4.125%
HK$29,171
baseline
▲ 0.50% · 4.625%
HK$30,946
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,342/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,537
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,356
−HK$831/mo
Today · 4.125%
HK$32,187
baseline
▲ 0.50% · 4.625%
HK$33,884
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,374/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$257,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,292
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,390
−HK$1,115/mo
Today · 4.125%
HK$37,505
baseline
▲ 0.50% · 4.625%
HK$39,787
+HK$2,282/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,010/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,262
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,315
−HK$1,068/mo
Today · 4.125%
HK$41,383
baseline
▲ 0.50% · 4.625%
HK$43,565
+HK$2,182/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,766/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$257,956 · Scale 2, in force from 26 Feb 2026)