LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,797
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,412
−HK$626/mo
Today · 4.125%
HK$21,038
baseline
▲ 0.50% · 4.625%
HK$22,318
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,076/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,024
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,614
−HK$600/mo
Today · 4.125%
HK$23,214
baseline
▲ 0.50% · 4.625%
HK$24,437
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,428/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,756
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,495
−HK$751/mo
Today · 4.125%
HK$25,246
baseline
▲ 0.50% · 4.625%
HK$26,782
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,492/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,428
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,137
−HK$719/mo
Today · 4.125%
HK$27,856
baseline
▲ 0.50% · 4.625%
HK$29,325
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,712/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,715
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,577
−HK$876/mo
Today · 4.125%
HK$29,453
baseline
▲ 0.50% · 4.625%
HK$31,246
+HK$1,793/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,906/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,833
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,660
−HK$839/mo
Today · 4.125%
HK$32,499
baseline
▲ 0.50% · 4.625%
HK$34,212
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$64,998/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,634
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,742
−HK$1,127/mo
Today · 4.125%
HK$37,869
baseline
▲ 0.50% · 4.625%
HK$40,173
+HK$2,304/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,738/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,643
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,706
−HK$1,078/mo
Today · 4.125%
HK$41,784
baseline
▲ 0.50% · 4.625%
HK$43,987
+HK$2,203/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,568/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,454 · Scale 2, in force from 26 Feb 2026)