LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,838
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,455
−HK$627/mo
Today · 4.125%
HK$21,082
baseline
▲ 0.50% · 4.625%
HK$22,365
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,164/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,069
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,661
−HK$601/mo
Today · 4.125%
HK$23,262
baseline
▲ 0.50% · 4.625%
HK$24,488
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,524/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$260,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,805
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,546
−HK$752/mo
Today · 4.125%
HK$25,298
baseline
▲ 0.50% · 4.625%
HK$26,838
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,596/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,483
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,194
−HK$720/mo
Today · 4.125%
HK$27,914
baseline
▲ 0.50% · 4.625%
HK$29,386
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,828/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$260,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,773
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,637
−HK$878/mo
Today · 4.125%
HK$29,515
baseline
▲ 0.50% · 4.625%
HK$31,311
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,030/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,897
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,726
−HK$840/mo
Today · 4.125%
HK$32,566
baseline
▲ 0.50% · 4.625%
HK$34,283
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,132/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,708
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,819
−HK$1,128/mo
Today · 4.125%
HK$37,947
baseline
▲ 0.50% · 4.625%
HK$40,256
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,894/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,725
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,790
−HK$1,081/mo
Today · 4.125%
HK$41,871
baseline
▲ 0.50% · 4.625%
HK$44,078
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,742/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,996 · Scale 2, in force from 26 Feb 2026)