LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,843
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,460
−HK$627/mo
Today · 4.125%
HK$21,087
baseline
▲ 0.50% · 4.625%
HK$22,370
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,174/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,075
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,667
−HK$600/mo
Today · 4.125%
HK$23,267
baseline
▲ 0.50% · 4.625%
HK$24,494
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,534/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,811
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,552
−HK$752/mo
Today · 4.125%
HK$25,304
baseline
▲ 0.50% · 4.625%
HK$26,844
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,608/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,490
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,200
−HK$721/mo
Today · 4.125%
HK$27,921
baseline
▲ 0.50% · 4.625%
HK$29,393
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,842/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,780
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,644
−HK$878/mo
Today · 4.125%
HK$29,522
baseline
▲ 0.50% · 4.625%
HK$31,318
+HK$1,796/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,044/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,905
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,733
−HK$841/mo
Today · 4.125%
HK$32,574
baseline
▲ 0.50% · 4.625%
HK$34,291
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,148/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,717
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,828
−HK$1,129/mo
Today · 4.125%
HK$37,957
baseline
▲ 0.50% · 4.625%
HK$40,266
+HK$2,309/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,914/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,735
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,800
−HK$1,081/mo
Today · 4.125%
HK$41,881
baseline
▲ 0.50% · 4.625%
HK$44,089
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,762/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,059 · Scale 2, in force from 26 Feb 2026)