LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,909
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,528
−HK$630/mo
Today · 4.125%
HK$21,158
baseline
▲ 0.50% · 4.625%
HK$22,445
+HK$1,287/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,316/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,149
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,743
−HK$602/mo
Today · 4.125%
HK$23,345
baseline
▲ 0.50% · 4.625%
HK$24,576
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,690/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,891
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,634
−HK$755/mo
Today · 4.125%
HK$25,389
baseline
▲ 0.50% · 4.625%
HK$26,934
+HK$1,545/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,778/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,578
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,291
−HK$723/mo
Today · 4.125%
HK$28,014
baseline
▲ 0.50% · 4.625%
HK$29,491
+HK$1,477/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,028/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,873
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,740
−HK$881/mo
Today · 4.125%
HK$29,621
baseline
▲ 0.50% · 4.625%
HK$31,423
+HK$1,802/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,242/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,008
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,840
−HK$844/mo
Today · 4.125%
HK$32,684
baseline
▲ 0.50% · 4.625%
HK$34,406
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,368/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,836
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,951
−HK$1,133/mo
Today · 4.125%
HK$38,084
baseline
▲ 0.50% · 4.625%
HK$40,401
+HK$2,317/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,168/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,868
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,937
−HK$1,085/mo
Today · 4.125%
HK$42,022
baseline
▲ 0.50% · 4.625%
HK$44,237
+HK$2,215/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,044/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$261,934 · Scale 2, in force from 26 Feb 2026)