LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,827
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,444
−HK$626/mo
Today · 4.125%
HK$21,070
baseline
▲ 0.50% · 4.625%
HK$22,352
+HK$1,282/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,140/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,057
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,649
−HK$600/mo
Today · 4.125%
HK$23,249
baseline
▲ 0.50% · 4.625%
HK$24,474
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,498/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,792
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,532
−HK$752/mo
Today · 4.125%
HK$25,284
baseline
▲ 0.50% · 4.625%
HK$26,823
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,568/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,469
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,179
−HK$720/mo
Today · 4.125%
HK$27,899
baseline
▲ 0.50% · 4.625%
HK$29,369
+HK$1,470/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,798/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,758
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,621
−HK$877/mo
Today · 4.125%
HK$29,498
baseline
▲ 0.50% · 4.625%
HK$31,293
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$58,996/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,880
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,708
−HK$841/mo
Today · 4.125%
HK$32,549
baseline
▲ 0.50% · 4.625%
HK$34,264
+HK$1,715/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,098/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,689
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,799
−HK$1,128/mo
Today · 4.125%
HK$37,927
baseline
▲ 0.50% · 4.625%
HK$40,234
+HK$2,307/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,854/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,703
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,768
−HK$1,080/mo
Today · 4.125%
HK$41,848
baseline
▲ 0.50% · 4.625%
HK$44,054
+HK$2,206/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,696/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,852 · Scale 2, in force from 26 Feb 2026)