LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,802
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,418
−HK$626/mo
Today · 4.125%
HK$21,044
baseline
▲ 0.50% · 4.625%
HK$22,324
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,088/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,030
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,620
−HK$600/mo
Today · 4.125%
HK$23,220
baseline
▲ 0.50% · 4.625%
HK$24,444
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,440/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,762
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,502
−HK$751/mo
Today · 4.125%
HK$25,253
baseline
▲ 0.50% · 4.625%
HK$26,789
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,506/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,436
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,144
−HK$720/mo
Today · 4.125%
HK$27,864
baseline
▲ 0.50% · 4.625%
HK$29,332
+HK$1,468/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,728/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,723
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,585
−HK$876/mo
Today · 4.125%
HK$29,461
baseline
▲ 0.50% · 4.625%
HK$31,254
+HK$1,793/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,922/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,841
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,669
−HK$839/mo
Today · 4.125%
HK$32,508
baseline
▲ 0.50% · 4.625%
HK$34,221
+HK$1,713/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,016/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,644
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,752
−HK$1,127/mo
Today · 4.125%
HK$37,879
baseline
▲ 0.50% · 4.625%
HK$40,184
+HK$2,305/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$75,758/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,653
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,717
−HK$1,079/mo
Today · 4.125%
HK$41,796
baseline
▲ 0.50% · 4.625%
HK$43,999
+HK$2,203/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$83,592/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,525 · Scale 2, in force from 26 Feb 2026)