LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,845
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,462
−HK$628/mo
Today · 4.125%
HK$21,090
baseline
▲ 0.50% · 4.625%
HK$22,373
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,180/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,077
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,670
−HK$600/mo
Today · 4.125%
HK$23,270
baseline
▲ 0.50% · 4.625%
HK$24,497
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,540/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,814
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,555
−HK$753/mo
Today · 4.125%
HK$25,308
baseline
▲ 0.50% · 4.625%
HK$26,847
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,616/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,493
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,204
−HK$720/mo
Today · 4.125%
HK$27,924
baseline
▲ 0.50% · 4.625%
HK$29,396
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,848/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,783
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,647
−HK$878/mo
Today · 4.125%
HK$29,525
baseline
▲ 0.50% · 4.625%
HK$31,322
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,050/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,908
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,737
−HK$841/mo
Today · 4.125%
HK$32,578
baseline
▲ 0.50% · 4.625%
HK$34,296
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,156/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,721
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,832
−HK$1,129/mo
Today · 4.125%
HK$37,961
baseline
▲ 0.50% · 4.625%
HK$40,271
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,922/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,739
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,805
−HK$1,082/mo
Today · 4.125%
HK$41,887
baseline
▲ 0.50% · 4.625%
HK$44,094
+HK$2,207/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,774/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,091 · Scale 2, in force from 26 Feb 2026)