LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,804
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,420
−HK$625/mo
Today · 4.125%
HK$21,045
baseline
▲ 0.50% · 4.625%
HK$22,326
+HK$1,281/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$260,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,031
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,622
−HK$600/mo
Today · 4.125%
HK$23,222
baseline
▲ 0.50% · 4.625%
HK$24,446
+HK$1,224/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,444/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,764
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,504
−HK$751/mo
Today · 4.125%
HK$25,255
baseline
▲ 0.50% · 4.625%
HK$26,791
+HK$1,536/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,510/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,438
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,147
−HK$719/mo
Today · 4.125%
HK$27,866
baseline
▲ 0.50% · 4.625%
HK$29,335
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,732/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,725
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,587
−HK$877/mo
Today · 4.125%
HK$29,464
baseline
▲ 0.50% · 4.625%
HK$31,256
+HK$1,792/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$58,928/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,844
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,671
−HK$839/mo
Today · 4.125%
HK$32,510
baseline
▲ 0.50% · 4.625%
HK$34,224
+HK$1,714/mo
Deposit HK$2.61M · loan HK$6.08M · min. income ≈ HK$65,020/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,647
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,755
−HK$1,127/mo
Today · 4.125%
HK$37,882
baseline
▲ 0.50% · 4.625%
HK$40,187
+HK$2,305/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$75,764/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,656
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,720
−HK$1,079/mo
Today · 4.125%
HK$41,799
baseline
▲ 0.50% · 4.625%
HK$44,002
+HK$2,203/mo
Deposit HK$868K · loan HK$7.82M · min. income ≈ HK$83,598/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,545 · Scale 2, in force from 26 Feb 2026)