LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,740
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,354
−HK$623/mo
Today · 4.125%
HK$20,977
baseline
▲ 0.50% · 4.625%
HK$22,254
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,954/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,960
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,549
−HK$597/mo
Today · 4.125%
HK$23,146
baseline
▲ 0.50% · 4.625%
HK$24,367
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,292/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,687
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,424
−HK$749/mo
Today · 4.125%
HK$25,173
baseline
▲ 0.50% · 4.625%
HK$26,705
+HK$1,532/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,346/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,352
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,059
−HK$717/mo
Today · 4.125%
HK$27,776
baseline
▲ 0.50% · 4.625%
HK$29,240
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,552/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,635
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,495
−HK$873/mo
Today · 4.125%
HK$29,368
baseline
▲ 0.50% · 4.625%
HK$31,155
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,736/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,744
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,569
−HK$836/mo
Today · 4.125%
HK$32,405
baseline
▲ 0.50% · 4.625%
HK$34,113
+HK$1,708/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,810/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,531
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,636
−HK$1,123/mo
Today · 4.125%
HK$37,759
baseline
▲ 0.50% · 4.625%
HK$40,057
+HK$2,298/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,518/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,528
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,588
−HK$1,076/mo
Today · 4.125%
HK$41,664
baseline
▲ 0.50% · 4.625%
HK$43,860
+HK$2,196/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,328/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,702 · Scale 2, in force from 26 Feb 2026)