LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,723
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,337
−HK$623/mo
Today · 4.125%
HK$20,960
baseline
▲ 0.50% · 4.625%
HK$22,236
+HK$1,276/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,920/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,942
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,531
−HK$596/mo
Today · 4.125%
HK$23,127
baseline
▲ 0.50% · 4.625%
HK$24,347
+HK$1,220/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,254/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,668
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,404
−HK$748/mo
Today · 4.125%
HK$25,152
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,304/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,330
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,037
−HK$716/mo
Today · 4.125%
HK$27,753
baseline
▲ 0.50% · 4.625%
HK$29,216
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,506/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,613
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,472
−HK$872/mo
Today · 4.125%
HK$29,344
baseline
▲ 0.50% · 4.625%
HK$31,130
+HK$1,786/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,688/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,719
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$835/mo
Today · 4.125%
HK$32,378
baseline
▲ 0.50% · 4.625%
HK$34,085
+HK$1,707/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,756/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,502
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,606
−HK$1,122/mo
Today · 4.125%
HK$37,728
baseline
▲ 0.50% · 4.625%
HK$40,024
+HK$2,296/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,456/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,496
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,555
−HK$1,074/mo
Today · 4.125%
HK$41,629
baseline
▲ 0.50% · 4.625%
HK$43,824
+HK$2,195/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,258/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,489 · Scale 2, in force from 26 Feb 2026)