LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,684
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,296
−HK$622/mo
Today · 4.125%
HK$20,918
baseline
▲ 0.50% · 4.625%
HK$22,191
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,836/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$258,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,898
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,486
−HK$595/mo
Today · 4.125%
HK$23,081
baseline
▲ 0.50% · 4.625%
HK$24,298
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,162/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$258,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,621
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,356
−HK$746/mo
Today · 4.125%
HK$25,102
baseline
▲ 0.50% · 4.625%
HK$26,629
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,204/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,278
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,983
−HK$715/mo
Today · 4.125%
HK$27,698
baseline
▲ 0.50% · 4.625%
HK$29,158
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,396/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,558
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,415
−HK$871/mo
Today · 4.125%
HK$29,286
baseline
▲ 0.50% · 4.625%
HK$31,068
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,572/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,658
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,480
−HK$834/mo
Today · 4.125%
HK$32,314
baseline
▲ 0.50% · 4.625%
HK$34,017
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,628/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,431
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,533
−HK$1,120/mo
Today · 4.125%
HK$37,653
baseline
▲ 0.50% · 4.625%
HK$39,944
+HK$2,291/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,306/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,417
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,474
−HK$1,072/mo
Today · 4.125%
HK$41,546
baseline
▲ 0.50% · 4.625%
HK$43,736
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,092/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,971 · Scale 2, in force from 26 Feb 2026)