LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,673
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,285
−HK$621/mo
Today · 4.125%
HK$20,906
baseline
▲ 0.50% · 4.625%
HK$22,178
+HK$1,272/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,812/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,886
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,473
−HK$595/mo
Today · 4.125%
HK$23,068
baseline
▲ 0.50% · 4.625%
HK$24,284
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,136/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,607
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,342
−HK$746/mo
Today · 4.125%
HK$25,088
baseline
▲ 0.50% · 4.625%
HK$26,614
+HK$1,526/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,176/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,263
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$715/mo
Today · 4.125%
HK$27,682
baseline
▲ 0.50% · 4.625%
HK$29,141
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,364/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,542
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,398
−HK$871/mo
Today · 4.125%
HK$29,269
baseline
▲ 0.50% · 4.625%
HK$31,050
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,538/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,640
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,462
−HK$833/mo
Today · 4.125%
HK$32,295
baseline
▲ 0.50% · 4.625%
HK$33,998
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,590/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,411
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,512
−HK$1,119/mo
Today · 4.125%
HK$37,631
baseline
▲ 0.50% · 4.625%
HK$39,921
+HK$2,290/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$75,262/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,394
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,451
−HK$1,072/mo
Today · 4.125%
HK$41,523
baseline
▲ 0.50% · 4.625%
HK$43,711
+HK$2,188/mo
Deposit HK$863K · loan HK$7.76M · min. income ≈ HK$83,046/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,823 · Scale 2, in force from 26 Feb 2026)