LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,847
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,464
−HK$628/mo
Today · 4.125%
HK$21,092
baseline
▲ 0.50% · 4.625%
HK$22,375
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,184/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,080
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,672
−HK$601/mo
Today · 4.125%
HK$23,273
baseline
▲ 0.50% · 4.625%
HK$24,499
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,546/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,816
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,557
−HK$753/mo
Today · 4.125%
HK$25,310
baseline
▲ 0.50% · 4.625%
HK$26,850
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,620/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,496
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,206
−HK$721/mo
Today · 4.125%
HK$27,927
baseline
▲ 0.50% · 4.625%
HK$29,399
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,854/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,786
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,650
−HK$878/mo
Today · 4.125%
HK$29,528
baseline
▲ 0.50% · 4.625%
HK$31,325
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,056/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,911
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,741
−HK$841/mo
Today · 4.125%
HK$32,582
baseline
▲ 0.50% · 4.625%
HK$34,299
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,164/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,725
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,836
−HK$1,129/mo
Today · 4.125%
HK$37,965
baseline
▲ 0.50% · 4.625%
HK$40,275
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,930/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,743
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,809
−HK$1,082/mo
Today · 4.125%
HK$41,891
baseline
▲ 0.50% · 4.625%
HK$44,099
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,782/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,116 · Scale 2, in force from 26 Feb 2026)