LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,617
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,227
−HK$620/mo
Today · 4.125%
HK$20,847
baseline
▲ 0.50% · 4.625%
HK$22,116
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,694/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,824
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,409
−HK$594/mo
Today · 4.125%
HK$23,003
baseline
▲ 0.50% · 4.625%
HK$24,215
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,006/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,541
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,273
−HK$744/mo
Today · 4.125%
HK$25,017
baseline
▲ 0.50% · 4.625%
HK$26,539
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,034/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,189
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,891
−HK$713/mo
Today · 4.125%
HK$27,604
baseline
▲ 0.50% · 4.625%
HK$29,059
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,208/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,464
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,318
−HK$868/mo
Today · 4.125%
HK$29,186
baseline
▲ 0.50% · 4.625%
HK$30,962
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,372/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,553
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,373
−HK$831/mo
Today · 4.125%
HK$32,204
baseline
▲ 0.50% · 4.625%
HK$33,902
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,408/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,311
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,409
−HK$1,116/mo
Today · 4.125%
HK$37,525
baseline
▲ 0.50% · 4.625%
HK$39,808
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,050/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,283
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,336
−HK$1,069/mo
Today · 4.125%
HK$41,405
baseline
▲ 0.50% · 4.625%
HK$43,588
+HK$2,183/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,810/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,091 · Scale 2, in force from 26 Feb 2026)