LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,795
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,411
−HK$626/mo
Today · 4.125%
HK$21,037
baseline
▲ 0.50% · 4.625%
HK$22,317
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,074/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,022
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,613
−HK$599/mo
Today · 4.125%
HK$23,212
baseline
▲ 0.50% · 4.625%
HK$24,435
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,424/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,754
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,493
−HK$751/mo
Today · 4.125%
HK$25,244
baseline
▲ 0.50% · 4.625%
HK$26,780
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,488/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,426
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,135
−HK$719/mo
Today · 4.125%
HK$27,854
baseline
▲ 0.50% · 4.625%
HK$29,322
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,708/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,713
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,575
−HK$876/mo
Today · 4.125%
HK$29,451
baseline
▲ 0.50% · 4.625%
HK$31,243
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,902/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,831
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,658
−HK$838/mo
Today · 4.125%
HK$32,496
baseline
▲ 0.50% · 4.625%
HK$34,209
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,992/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,631
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,740
−HK$1,126/mo
Today · 4.125%
HK$37,866
baseline
▲ 0.50% · 4.625%
HK$40,170
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,732/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,640
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,703
−HK$1,078/mo
Today · 4.125%
HK$41,781
baseline
▲ 0.50% · 4.625%
HK$43,984
+HK$2,203/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,562/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,435 · Scale 2, in force from 26 Feb 2026)