LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,869
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,487
−HK$628/mo
Today · 4.125%
HK$21,115
baseline
▲ 0.50% · 4.625%
HK$22,399
+HK$1,284/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,230/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,104
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,697
−HK$601/mo
Today · 4.125%
HK$23,298
baseline
▲ 0.50% · 4.625%
HK$24,526
+HK$1,228/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,596/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,842
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,584
−HK$754/mo
Today · 4.125%
HK$25,338
baseline
▲ 0.50% · 4.625%
HK$26,879
+HK$1,541/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,676/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,525
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,236
−HK$722/mo
Today · 4.125%
HK$27,958
baseline
▲ 0.50% · 4.625%
HK$29,431
+HK$1,473/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,916/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,816
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,681
−HK$880/mo
Today · 4.125%
HK$29,561
baseline
▲ 0.50% · 4.625%
HK$31,359
+HK$1,798/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,122/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,945
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,775
−HK$842/mo
Today · 4.125%
HK$32,617
baseline
▲ 0.50% · 4.625%
HK$34,336
+HK$1,719/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,234/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,764
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,876
−HK$1,130/mo
Today · 4.125%
HK$38,006
baseline
▲ 0.50% · 4.625%
HK$40,319
+HK$2,313/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$76,012/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,787
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,854
−HK$1,082/mo
Today · 4.125%
HK$41,936
baseline
▲ 0.50% · 4.625%
HK$44,147
+HK$2,211/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,872/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,402 · Scale 2, in force from 26 Feb 2026)