LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,823
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,440
−HK$626/mo
Today · 4.125%
HK$21,066
baseline
▲ 0.50% · 4.625%
HK$22,348
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,132/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,053
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,645
−HK$600/mo
Today · 4.125%
HK$23,245
baseline
▲ 0.50% · 4.625%
HK$24,470
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,490/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,788
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,528
−HK$751/mo
Today · 4.125%
HK$25,279
baseline
▲ 0.50% · 4.625%
HK$26,818
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,558/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,464
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,173
−HK$720/mo
Today · 4.125%
HK$27,893
baseline
▲ 0.50% · 4.625%
HK$29,364
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,786/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,752
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,616
−HK$877/mo
Today · 4.125%
HK$29,493
baseline
▲ 0.50% · 4.625%
HK$31,287
+HK$1,794/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$58,986/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,874
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,702
−HK$840/mo
Today · 4.125%
HK$32,542
baseline
▲ 0.50% · 4.625%
HK$34,258
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,084/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,682
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,792
−HK$1,127/mo
Today · 4.125%
HK$37,919
baseline
▲ 0.50% · 4.625%
HK$40,227
+HK$2,308/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,838/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,696
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,760
−HK$1,080/mo
Today · 4.125%
HK$41,840
baseline
▲ 0.50% · 4.625%
HK$44,046
+HK$2,206/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,680/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,802 · Scale 2, in force from 26 Feb 2026)