LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,849
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,467
−HK$627/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$261,145 · 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$261,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,819
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,560
−HK$753/mo
Today · 4.125%
HK$25,313
baseline
▲ 0.50% · 4.625%
HK$26,853
+HK$1,540/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,626/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,145 · 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$261,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,789
−HK$1,742/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$261,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,915
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,744
−HK$841/mo
Today · 4.125%
HK$32,585
baseline
▲ 0.50% · 4.625%
HK$34,303
+HK$1,718/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$261,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,729
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,840
−HK$1,129/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$261,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,748
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,814
−HK$1,081/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$261,145 · Scale 2, in force from 26 Feb 2026)