LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,618
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,229
−HK$620/mo
Today · 4.125%
HK$20,849
baseline
▲ 0.50% · 4.625%
HK$22,117
+HK$1,268/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,698/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,825
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,411
−HK$593/mo
Today · 4.125%
HK$23,004
baseline
▲ 0.50% · 4.625%
HK$24,217
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,008/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,542
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,274
−HK$744/mo
Today · 4.125%
HK$25,018
baseline
▲ 0.50% · 4.625%
HK$26,541
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,036/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,190
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,893
−HK$712/mo
Today · 4.125%
HK$27,605
baseline
▲ 0.50% · 4.625%
HK$29,060
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,210/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,466
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$868/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,555
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,375
−HK$831/mo
Today · 4.125%
HK$32,206
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,412/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,313
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,412
−HK$1,116/mo
Today · 4.125%
HK$37,528
baseline
▲ 0.50% · 4.625%
HK$39,811
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,056/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,286
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,339
−HK$1,069/mo
Today · 4.125%
HK$41,408
baseline
▲ 0.50% · 4.625%
HK$43,591
+HK$2,183/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,816/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,109 · Scale 2, in force from 26 Feb 2026)