LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,774
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,389
−HK$625/mo
Today · 4.125%
HK$21,014
baseline
▲ 0.50% · 4.625%
HK$22,292
+HK$1,278/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,028/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,998
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,588
−HK$599/mo
Today · 4.125%
HK$23,187
baseline
▲ 0.50% · 4.625%
HK$24,409
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,374/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,728
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,467
−HK$749/mo
Today · 4.125%
HK$25,216
baseline
▲ 0.50% · 4.625%
HK$26,751
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,432/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,398
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,106
−HK$718/mo
Today · 4.125%
HK$27,824
baseline
▲ 0.50% · 4.625%
HK$29,290
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,648/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,683
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,544
−HK$875/mo
Today · 4.125%
HK$29,419
baseline
▲ 0.50% · 4.625%
HK$31,209
+HK$1,790/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,838/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,797
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,623
−HK$838/mo
Today · 4.125%
HK$32,461
baseline
▲ 0.50% · 4.625%
HK$34,172
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,922/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,593
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,700
−HK$1,125/mo
Today · 4.125%
HK$37,825
baseline
▲ 0.50% · 4.625%
HK$40,126
+HK$2,301/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,650/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,596
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,658
−HK$1,078/mo
Today · 4.125%
HK$41,736
baseline
▲ 0.50% · 4.625%
HK$43,936
+HK$2,200/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,472/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,151 · Scale 2, in force from 26 Feb 2026)