LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,650
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,261
−HK$621/mo
Today · 4.125%
HK$20,882
baseline
▲ 0.50% · 4.625%
HK$22,152
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,764/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,860
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,446
−HK$595/mo
Today · 4.125%
HK$23,041
baseline
▲ 0.50% · 4.625%
HK$24,256
+HK$1,215/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,082/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,580
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,313
−HK$745/mo
Today · 4.125%
HK$25,058
baseline
▲ 0.50% · 4.625%
HK$26,583
+HK$1,525/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,116/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,232
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,936
−HK$713/mo
Today · 4.125%
HK$27,649
baseline
▲ 0.50% · 4.625%
HK$29,107
+HK$1,458/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,298/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,509
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,365
−HK$870/mo
Today · 4.125%
HK$29,235
baseline
▲ 0.50% · 4.625%
HK$31,013
+HK$1,778/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$58,470/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,604
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,425
−HK$832/mo
Today · 4.125%
HK$32,257
baseline
▲ 0.50% · 4.625%
HK$33,958
+HK$1,701/mo
Deposit HK$2.59M · loan HK$6.03M · min. income ≈ HK$64,514/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,369
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,469
−HK$1,118/mo
Today · 4.125%
HK$37,587
baseline
▲ 0.50% · 4.625%
HK$39,874
+HK$2,287/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$75,174/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,348
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,403
−HK$1,071/mo
Today · 4.125%
HK$41,474
baseline
▲ 0.50% · 4.625%
HK$43,660
+HK$2,186/mo
Deposit HK$862K · loan HK$7.76M · min. income ≈ HK$82,948/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,519 · Scale 2, in force from 26 Feb 2026)