LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,672
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,284
−HK$621/mo
Today · 4.125%
HK$20,905
baseline
▲ 0.50% · 4.625%
HK$22,177
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,810/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,885
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,472
−HK$595/mo
Today · 4.125%
HK$23,067
baseline
▲ 0.50% · 4.625%
HK$24,283
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,134/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,606
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$746/mo
Today · 4.125%
HK$25,086
baseline
▲ 0.50% · 4.625%
HK$26,613
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,172/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,262
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,966
−HK$714/mo
Today · 4.125%
HK$27,680
baseline
▲ 0.50% · 4.625%
HK$29,139
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,360/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,540
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,397
−HK$870/mo
Today · 4.125%
HK$29,267
baseline
▲ 0.50% · 4.625%
HK$31,048
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,534/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,638
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,460
−HK$834/mo
Today · 4.125%
HK$32,294
baseline
▲ 0.50% · 4.625%
HK$33,996
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,588/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,409
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,511
−HK$1,119/mo
Today · 4.125%
HK$37,630
baseline
▲ 0.50% · 4.625%
HK$39,919
+HK$2,289/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$75,260/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,392
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,449
−HK$1,072/mo
Today · 4.125%
HK$41,521
baseline
▲ 0.50% · 4.625%
HK$43,709
+HK$2,188/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$83,042/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,810 · Scale 2, in force from 26 Feb 2026)