LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,793
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,409
−HK$626/mo
Today · 4.125%
HK$21,035
baseline
▲ 0.50% · 4.625%
HK$22,314
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,070/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,020
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,610
−HK$600/mo
Today · 4.125%
HK$23,210
baseline
▲ 0.50% · 4.625%
HK$24,433
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,420/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,752
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,491
−HK$750/mo
Today · 4.125%
HK$25,241
baseline
▲ 0.50% · 4.625%
HK$26,777
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,482/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,424
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,133
−HK$718/mo
Today · 4.125%
HK$27,851
baseline
▲ 0.50% · 4.625%
HK$29,320
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,702/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,711
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,573
−HK$875/mo
Today · 4.125%
HK$29,448
baseline
▲ 0.50% · 4.625%
HK$31,240
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,896/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,828
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,655
−HK$838/mo
Today · 4.125%
HK$32,493
baseline
▲ 0.50% · 4.625%
HK$34,206
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,986/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,628
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,736
−HK$1,126/mo
Today · 4.125%
HK$37,862
baseline
▲ 0.50% · 4.625%
HK$40,166
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,724/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,636
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,699
−HK$1,078/mo
Today · 4.125%
HK$41,777
baseline
▲ 0.50% · 4.625%
HK$43,979
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,554/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,410 · Scale 2, in force from 26 Feb 2026)