LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,834
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,451
−HK$627/mo
Today · 4.125%
HK$21,078
baseline
▲ 0.50% · 4.625%
HK$22,361
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,156/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,065
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,657
−HK$601/mo
Today · 4.125%
HK$23,258
baseline
▲ 0.50% · 4.625%
HK$24,483
+HK$1,225/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,516/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,801
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,541
−HK$753/mo
Today · 4.125%
HK$25,294
baseline
▲ 0.50% · 4.625%
HK$26,833
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,588/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,478
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,189
−HK$720/mo
Today · 4.125%
HK$27,909
baseline
▲ 0.50% · 4.625%
HK$29,380
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,818/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,768
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,632
−HK$877/mo
Today · 4.125%
HK$29,509
baseline
▲ 0.50% · 4.625%
HK$31,305
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,018/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,892
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,720
−HK$841/mo
Today · 4.125%
HK$32,561
baseline
▲ 0.50% · 4.625%
HK$34,277
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,122/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,702
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,812
−HK$1,128/mo
Today · 4.125%
HK$37,940
baseline
▲ 0.50% · 4.625%
HK$40,249
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,880/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,718
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,783
−HK$1,081/mo
Today · 4.125%
HK$41,864
baseline
▲ 0.50% · 4.625%
HK$44,070
+HK$2,206/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,728/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,948 · Scale 2, in force from 26 Feb 2026)