LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,803
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,419
−HK$626/mo
Today · 4.125%
HK$21,045
baseline
▲ 0.50% · 4.625%
HK$22,325
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,090/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,030
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,621
−HK$600/mo
Today · 4.125%
HK$23,221
baseline
▲ 0.50% · 4.625%
HK$24,445
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,442/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,763
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,502
−HK$751/mo
Today · 4.125%
HK$25,253
baseline
▲ 0.50% · 4.625%
HK$26,790
+HK$1,537/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$260,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,436
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,145
−HK$720/mo
Today · 4.125%
HK$27,865
baseline
▲ 0.50% · 4.625%
HK$29,334
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,730/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,724
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,586
−HK$876/mo
Today · 4.125%
HK$29,462
baseline
▲ 0.50% · 4.625%
HK$31,255
+HK$1,793/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,924/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,843
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,670
−HK$839/mo
Today · 4.125%
HK$32,509
baseline
▲ 0.50% · 4.625%
HK$34,222
+HK$1,713/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,018/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,645
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,754
−HK$1,126/mo
Today · 4.125%
HK$37,880
baseline
▲ 0.50% · 4.625%
HK$40,185
+HK$2,305/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$75,760/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,655
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,718
−HK$1,079/mo
Today · 4.125%
HK$41,797
baseline
▲ 0.50% · 4.625%
HK$44,000
+HK$2,203/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$83,594/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,534 · Scale 2, in force from 26 Feb 2026)