LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,825
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,441
−HK$627/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,350
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,055
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,646
−HK$600/mo
Today · 4.125%
HK$23,246
baseline
▲ 0.50% · 4.625%
HK$24,472
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,492/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,790
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,529
−HK$752/mo
Today · 4.125%
HK$25,281
baseline
▲ 0.50% · 4.625%
HK$26,820
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,562/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,466
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,175
−HK$720/mo
Today · 4.125%
HK$27,895
baseline
▲ 0.50% · 4.625%
HK$29,366
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,790/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,754
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,618
−HK$877/mo
Today · 4.125%
HK$29,495
baseline
▲ 0.50% · 4.625%
HK$31,290
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$58,990/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,877
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,705
−HK$840/mo
Today · 4.125%
HK$32,545
baseline
▲ 0.50% · 4.625%
HK$34,260
+HK$1,715/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,090/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,684
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,794
−HK$1,128/mo
Today · 4.125%
HK$37,922
baseline
▲ 0.50% · 4.625%
HK$40,229
+HK$2,307/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$75,844/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,698
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,763
−HK$1,080/mo
Today · 4.125%
HK$41,843
baseline
▲ 0.50% · 4.625%
HK$44,049
+HK$2,206/mo
Deposit HK$869K · loan HK$7.82M · min. income ≈ HK$83,686/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,821 · Scale 2, in force from 26 Feb 2026)