LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,714
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$623/mo
Today · 4.125%
HK$20,950
baseline
▲ 0.50% · 4.625%
HK$22,225
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,900/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,932
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,520
−HK$597/mo
Today · 4.125%
HK$23,117
baseline
▲ 0.50% · 4.625%
HK$24,335
+HK$1,218/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,234/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,657
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,393
−HK$747/mo
Today · 4.125%
HK$25,140
baseline
▲ 0.50% · 4.625%
HK$26,670
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,280/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,318
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,024
−HK$716/mo
Today · 4.125%
HK$27,740
baseline
▲ 0.50% · 4.625%
HK$29,202
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,480/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,600
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,458
−HK$873/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$31,115
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,705
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,528
−HK$835/mo
Today · 4.125%
HK$32,363
baseline
▲ 0.50% · 4.625%
HK$34,069
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,726/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,485
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,589
−HK$1,122/mo
Today · 4.125%
HK$37,711
baseline
▲ 0.50% · 4.625%
HK$40,005
+HK$2,294/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,422/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,477
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,536
−HK$1,074/mo
Today · 4.125%
HK$41,610
baseline
▲ 0.50% · 4.625%
HK$43,803
+HK$2,193/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,220/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,368 · Scale 2, in force from 26 Feb 2026)