LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,792
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,408
−HK$625/mo
Today · 4.125%
HK$21,033
baseline
▲ 0.50% · 4.625%
HK$22,313
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,066/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,018
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,609
−HK$599/mo
Today · 4.125%
HK$23,208
baseline
▲ 0.50% · 4.625%
HK$24,431
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,416/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,750
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,489
−HK$751/mo
Today · 4.125%
HK$25,240
baseline
▲ 0.50% · 4.625%
HK$26,775
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,480/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,422
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,131
−HK$718/mo
Today · 4.125%
HK$27,849
baseline
▲ 0.50% · 4.625%
HK$29,317
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,698/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,709
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,571
−HK$875/mo
Today · 4.125%
HK$29,446
baseline
▲ 0.50% · 4.625%
HK$31,238
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,892/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,826
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,652
−HK$839/mo
Today · 4.125%
HK$32,491
baseline
▲ 0.50% · 4.625%
HK$34,204
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,982/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,625
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,734
−HK$1,125/mo
Today · 4.125%
HK$37,859
baseline
▲ 0.50% · 4.625%
HK$40,163
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,718/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,633
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,696
−HK$1,078/mo
Today · 4.125%
HK$41,774
baseline
▲ 0.50% · 4.625%
HK$43,976
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,548/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,391 · Scale 2, in force from 26 Feb 2026)