LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,840
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,458
−HK$627/mo
Today · 4.125%
HK$21,085
baseline
▲ 0.50% · 4.625%
HK$22,368
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,170/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,072
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,664
−HK$601/mo
Today · 4.125%
HK$23,265
baseline
▲ 0.50% · 4.625%
HK$24,491
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,530/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,809
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,549
−HK$753/mo
Today · 4.125%
HK$25,302
baseline
▲ 0.50% · 4.625%
HK$26,841
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,604/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,487
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,197
−HK$721/mo
Today · 4.125%
HK$27,918
baseline
▲ 0.50% · 4.625%
HK$29,389
+HK$1,471/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,836/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,777
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,641
−HK$878/mo
Today · 4.125%
HK$29,519
baseline
▲ 0.50% · 4.625%
HK$31,315
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,038/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,901
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,730
−HK$841/mo
Today · 4.125%
HK$32,571
baseline
▲ 0.50% · 4.625%
HK$34,288
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,142/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,713
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,824
−HK$1,128/mo
Today · 4.125%
HK$37,952
baseline
▲ 0.50% · 4.625%
HK$40,262
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,904/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,730
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,796
−HK$1,081/mo
Today · 4.125%
HK$41,877
baseline
▲ 0.50% · 4.625%
HK$44,084
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,754/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,030 · Scale 2, in force from 26 Feb 2026)