LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,849
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,466
−HK$628/mo
Today · 4.125%
HK$21,094
baseline
▲ 0.50% · 4.625%
HK$22,377
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,188/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,082
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,674
−HK$601/mo
Today · 4.125%
HK$23,275
baseline
▲ 0.50% · 4.625%
HK$24,502
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,550/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,819
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,560
−HK$752/mo
Today · 4.125%
HK$25,312
baseline
▲ 0.50% · 4.625%
HK$26,853
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,624/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,498
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,209
−HK$721/mo
Today · 4.125%
HK$27,930
baseline
▲ 0.50% · 4.625%
HK$29,402
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,860/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,788
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,653
−HK$878/mo
Today · 4.125%
HK$29,531
baseline
▲ 0.50% · 4.625%
HK$31,328
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,062/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,914
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,744
−HK$841/mo
Today · 4.125%
HK$32,585
baseline
▲ 0.50% · 4.625%
HK$34,302
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,170/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,728
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,839
−HK$1,130/mo
Today · 4.125%
HK$37,969
baseline
▲ 0.50% · 4.625%
HK$40,279
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,938/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,747
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,813
−HK$1,082/mo
Today · 4.125%
HK$41,895
baseline
▲ 0.50% · 4.625%
HK$44,103
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,790/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,141 · Scale 2, in force from 26 Feb 2026)