LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,835
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,452
−HK$627/mo
Today · 4.125%
HK$21,079
baseline
▲ 0.50% · 4.625%
HK$22,362
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,158/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,066
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,658
−HK$601/mo
Today · 4.125%
HK$23,259
baseline
▲ 0.50% · 4.625%
HK$24,485
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,518/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,802
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,543
−HK$752/mo
Today · 4.125%
HK$25,295
baseline
▲ 0.50% · 4.625%
HK$26,834
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,590/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,480
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,190
−HK$720/mo
Today · 4.125%
HK$27,910
baseline
▲ 0.50% · 4.625%
HK$29,382
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,820/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,769
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,633
−HK$878/mo
Today · 4.125%
HK$29,511
baseline
▲ 0.50% · 4.625%
HK$31,306
+HK$1,795/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,022/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,893
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,722
−HK$840/mo
Today · 4.125%
HK$32,562
baseline
▲ 0.50% · 4.625%
HK$34,278
+HK$1,716/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,124/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,703
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,814
−HK$1,128/mo
Today · 4.125%
HK$37,942
baseline
▲ 0.50% · 4.625%
HK$40,251
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,884/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,720
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,785
−HK$1,080/mo
Today · 4.125%
HK$41,865
baseline
▲ 0.50% · 4.625%
HK$44,072
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,730/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,960 · Scale 2, in force from 26 Feb 2026)