LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,640
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,250
−HK$621/mo
Today · 4.125%
HK$20,871
baseline
▲ 0.50% · 4.625%
HK$22,141
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,742/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,849
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,435
−HK$594/mo
Today · 4.125%
HK$23,029
baseline
▲ 0.50% · 4.625%
HK$24,243
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,058/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,567
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,301
−HK$744/mo
Today · 4.125%
HK$25,045
baseline
▲ 0.50% · 4.625%
HK$26,569
+HK$1,524/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,090/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,219
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,922
−HK$713/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,092
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,495
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,351
−HK$869/mo
Today · 4.125%
HK$29,220
baseline
▲ 0.50% · 4.625%
HK$30,997
+HK$1,777/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,440/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,588
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,409
−HK$832/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$33,940
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,351
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,451
−HK$1,117/mo
Today · 4.125%
HK$37,568
baseline
▲ 0.50% · 4.625%
HK$39,854
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,136/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,328
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,383
−HK$1,070/mo
Today · 4.125%
HK$41,453
baseline
▲ 0.50% · 4.625%
HK$43,638
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,906/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,386 · Scale 2, in force from 26 Feb 2026)