LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,789
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,404
−HK$626/mo
Today · 4.125%
HK$21,030
baseline
▲ 0.50% · 4.625%
HK$22,309
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,060/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,015
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,605
−HK$599/mo
Today · 4.125%
HK$23,204
baseline
▲ 0.50% · 4.625%
HK$24,427
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,408/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,747
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,485
−HK$751/mo
Today · 4.125%
HK$25,236
baseline
▲ 0.50% · 4.625%
HK$26,771
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,472/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,418
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$719/mo
Today · 4.125%
HK$27,845
baseline
▲ 0.50% · 4.625%
HK$29,313
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,690/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,704
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,566
−HK$876/mo
Today · 4.125%
HK$29,442
baseline
▲ 0.50% · 4.625%
HK$31,233
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,884/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,821
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,647
−HK$839/mo
Today · 4.125%
HK$32,486
baseline
▲ 0.50% · 4.625%
HK$34,198
+HK$1,712/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,972/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,620
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,728
−HK$1,126/mo
Today · 4.125%
HK$37,854
baseline
▲ 0.50% · 4.625%
HK$40,157
+HK$2,303/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,708/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,627
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,690
−HK$1,078/mo
Today · 4.125%
HK$41,768
baseline
▲ 0.50% · 4.625%
HK$43,969
+HK$2,201/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,536/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,350 · Scale 2, in force from 26 Feb 2026)