LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,862
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,480
−HK$628/mo
Today · 4.125%
HK$21,108
baseline
▲ 0.50% · 4.625%
HK$22,392
+HK$1,284/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,216/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,096
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,689
−HK$601/mo
Today · 4.125%
HK$23,290
baseline
▲ 0.50% · 4.625%
HK$24,518
+HK$1,228/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$261,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,835
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,576
−HK$753/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$261,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,516
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,227
−HK$721/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$261,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,807
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,672
−HK$879/mo
Today · 4.125%
HK$29,551
baseline
▲ 0.50% · 4.625%
HK$31,349
+HK$1,798/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,102/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,935
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,765
−HK$841/mo
Today · 4.125%
HK$32,606
baseline
▲ 0.50% · 4.625%
HK$34,325
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,212/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,752
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,864
−HK$1,130/mo
Today · 4.125%
HK$37,994
baseline
▲ 0.50% · 4.625%
HK$40,306
+HK$2,312/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,988/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,774
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,840
−HK$1,082/mo
Today · 4.125%
HK$41,922
baseline
▲ 0.50% · 4.625%
HK$44,132
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,844/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,315 · Scale 2, in force from 26 Feb 2026)