LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,798
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,413
−HK$626/mo
Today · 4.125%
HK$21,039
baseline
▲ 0.50% · 4.625%
HK$22,319
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,078/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,025
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,615
−HK$600/mo
Today · 4.125%
HK$23,215
baseline
▲ 0.50% · 4.625%
HK$24,438
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,430/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,757
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,496
−HK$751/mo
Today · 4.125%
HK$25,247
baseline
▲ 0.50% · 4.625%
HK$26,783
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,494/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,430
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,138
−HK$720/mo
Today · 4.125%
HK$27,858
baseline
▲ 0.50% · 4.625%
HK$29,326
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,716/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,717
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,579
−HK$876/mo
Today · 4.125%
HK$29,455
baseline
▲ 0.50% · 4.625%
HK$31,247
+HK$1,792/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,910/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,835
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,662
−HK$838/mo
Today · 4.125%
HK$32,500
baseline
▲ 0.50% · 4.625%
HK$34,214
+HK$1,714/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$65,000/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,636
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,744
−HK$1,126/mo
Today · 4.125%
HK$37,870
baseline
▲ 0.50% · 4.625%
HK$40,175
+HK$2,305/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,740/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,644
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,708
−HK$1,078/mo
Today · 4.125%
HK$41,786
baseline
▲ 0.50% · 4.625%
HK$43,989
+HK$2,203/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,572/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,466 · Scale 2, in force from 26 Feb 2026)