LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,620
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,230
−HK$620/mo
Today · 4.125%
HK$20,850
baseline
▲ 0.50% · 4.625%
HK$22,119
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,700/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,827
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,412
−HK$594/mo
Today · 4.125%
HK$23,006
baseline
▲ 0.50% · 4.625%
HK$24,219
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,012/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,544
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,276
−HK$744/mo
Today · 4.125%
HK$25,020
baseline
▲ 0.50% · 4.625%
HK$26,543
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,040/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,192
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,895
−HK$713/mo
Today · 4.125%
HK$27,608
baseline
▲ 0.50% · 4.625%
HK$29,063
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,216/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,468
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,322
−HK$869/mo
Today · 4.125%
HK$29,191
baseline
▲ 0.50% · 4.625%
HK$30,967
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,382/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,558
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,377
−HK$832/mo
Today · 4.125%
HK$32,209
baseline
▲ 0.50% · 4.625%
HK$33,907
+HK$1,698/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,418/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,316
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,415
−HK$1,116/mo
Today · 4.125%
HK$37,531
baseline
▲ 0.50% · 4.625%
HK$39,814
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,062/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,289
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,342
−HK$1,069/mo
Today · 4.125%
HK$41,411
baseline
▲ 0.50% · 4.625%
HK$43,594
+HK$2,183/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,822/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,129 · Scale 2, in force from 26 Feb 2026)