LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,721
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,334
−HK$624/mo
Today · 4.125%
HK$20,958
baseline
▲ 0.50% · 4.625%
HK$22,233
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,916/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,939
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,528
−HK$597/mo
Today · 4.125%
HK$23,125
baseline
▲ 0.50% · 4.625%
HK$24,344
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,250/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,665
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$748/mo
Today · 4.125%
HK$25,149
baseline
▲ 0.50% · 4.625%
HK$26,679
+HK$1,530/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,298/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,327
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,033
−HK$717/mo
Today · 4.125%
HK$27,750
baseline
▲ 0.50% · 4.625%
HK$29,212
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,500/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,609
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,468
−HK$873/mo
Today · 4.125%
HK$29,341
baseline
▲ 0.50% · 4.625%
HK$31,126
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,682/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,715
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,539
−HK$836/mo
Today · 4.125%
HK$32,375
baseline
▲ 0.50% · 4.625%
HK$34,081
+HK$1,706/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,750/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,498
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,602
−HK$1,122/mo
Today · 4.125%
HK$37,724
baseline
▲ 0.50% · 4.625%
HK$40,019
+HK$2,295/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,448/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,491
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,550
−HK$1,074/mo
Today · 4.125%
HK$41,624
baseline
▲ 0.50% · 4.625%
HK$43,818
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,248/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,457 · Scale 2, in force from 26 Feb 2026)