LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,685
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,298
−HK$622/mo
Today · 4.125%
HK$20,920
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,273/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,840/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$258,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,900
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,487
−HK$596/mo
Today · 4.125%
HK$23,083
baseline
▲ 0.50% · 4.625%
HK$24,300
+HK$1,217/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,166/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$258,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,622
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,357
−HK$747/mo
Today · 4.125%
HK$25,104
baseline
▲ 0.50% · 4.625%
HK$26,631
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,208/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,280
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,984
−HK$715/mo
Today · 4.125%
HK$27,699
baseline
▲ 0.50% · 4.625%
HK$29,159
+HK$1,460/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,398/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,559
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,417
−HK$871/mo
Today · 4.125%
HK$29,288
baseline
▲ 0.50% · 4.625%
HK$31,070
+HK$1,782/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,576/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,660
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,482
−HK$834/mo
Today · 4.125%
HK$32,316
baseline
▲ 0.50% · 4.625%
HK$34,019
+HK$1,703/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,632/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,433
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,536
−HK$1,119/mo
Today · 4.125%
HK$37,655
baseline
▲ 0.50% · 4.625%
HK$39,947
+HK$2,292/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,310/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,419
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,477
−HK$1,072/mo
Today · 4.125%
HK$41,549
baseline
▲ 0.50% · 4.625%
HK$43,739
+HK$2,190/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,098/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,988 · Scale 2, in force from 26 Feb 2026)