LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,862
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,479
−HK$628/mo
Today · 4.125%
HK$21,107
baseline
▲ 0.50% · 4.625%
HK$22,391
+HK$1,284/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,214/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,096
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,688
−HK$602/mo
Today · 4.125%
HK$23,290
baseline
▲ 0.50% · 4.625%
HK$24,517
+HK$1,227/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,580/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,834
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,575
−HK$754/mo
Today · 4.125%
HK$25,329
baseline
▲ 0.50% · 4.625%
HK$26,870
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,658/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,515
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,226
−HK$722/mo
Today · 4.125%
HK$27,948
baseline
▲ 0.50% · 4.625%
HK$29,421
+HK$1,473/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$55,896/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,806
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,671
−HK$879/mo
Today · 4.125%
HK$29,550
baseline
▲ 0.50% · 4.625%
HK$31,348
+HK$1,798/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,100/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,934
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,764
−HK$841/mo
Today · 4.125%
HK$32,605
baseline
▲ 0.50% · 4.625%
HK$34,324
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,210/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,751
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,863
−HK$1,130/mo
Today · 4.125%
HK$37,993
baseline
▲ 0.50% · 4.625%
HK$40,305
+HK$2,312/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,986/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,773
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,839
−HK$1,082/mo
Today · 4.125%
HK$41,921
baseline
▲ 0.50% · 4.625%
HK$44,131
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,842/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,308 · Scale 2, in force from 26 Feb 2026)