LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,872
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,490
−HK$628/mo
Today · 4.125%
HK$21,118
baseline
▲ 0.50% · 4.625%
HK$22,403
+HK$1,285/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,236/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,107
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,700
−HK$601/mo
Today · 4.125%
HK$23,301
baseline
▲ 0.50% · 4.625%
HK$24,530
+HK$1,229/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,602/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,846
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,588
−HK$753/mo
Today · 4.125%
HK$25,341
baseline
▲ 0.50% · 4.625%
HK$26,883
+HK$1,542/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$50,682/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,528
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,240
−HK$722/mo
Today · 4.125%
HK$27,962
baseline
▲ 0.50% · 4.625%
HK$29,436
+HK$1,474/mo
Deposit HK$3.49M · loan HK$5.23M · min. income ≈ HK$55,924/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,820
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,686
−HK$879/mo
Today · 4.125%
HK$29,565
baseline
▲ 0.50% · 4.625%
HK$31,364
+HK$1,799/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,130/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,950
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,780
−HK$842/mo
Today · 4.125%
HK$32,622
baseline
▲ 0.50% · 4.625%
HK$34,342
+HK$1,720/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,244/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,769
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,882
−HK$1,130/mo
Today · 4.125%
HK$38,012
baseline
▲ 0.50% · 4.625%
HK$40,325
+HK$2,313/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$76,024/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,793
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,860
−HK$1,083/mo
Today · 4.125%
HK$41,943
baseline
▲ 0.50% · 4.625%
HK$44,153
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,886/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,441 · Scale 2, in force from 26 Feb 2026)