LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,775
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,390
−HK$625/mo
Today · 4.125%
HK$21,015
baseline
▲ 0.50% · 4.625%
HK$22,293
+HK$1,278/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,030/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,999
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,589
−HK$598/mo
Today · 4.125%
HK$23,187
baseline
▲ 0.50% · 4.625%
HK$24,410
+HK$1,223/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$260,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,729
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,468
−HK$749/mo
Today · 4.125%
HK$25,217
baseline
▲ 0.50% · 4.625%
HK$26,752
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,434/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,399
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,107
−HK$718/mo
Today · 4.125%
HK$27,825
baseline
▲ 0.50% · 4.625%
HK$29,292
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,650/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,684
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,545
−HK$875/mo
Today · 4.125%
HK$29,420
baseline
▲ 0.50% · 4.625%
HK$31,211
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,840/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,799
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,625
−HK$837/mo
Today · 4.125%
HK$32,462
baseline
▲ 0.50% · 4.625%
HK$34,174
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,924/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,594
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,701
−HK$1,125/mo
Today · 4.125%
HK$37,826
baseline
▲ 0.50% · 4.625%
HK$40,128
+HK$2,302/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,652/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,598
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,660
−HK$1,077/mo
Today · 4.125%
HK$41,737
baseline
▲ 0.50% · 4.625%
HK$43,938
+HK$2,201/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,474/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,162 · Scale 2, in force from 26 Feb 2026)