LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,920
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,540
−HK$630/mo
Today · 4.125%
HK$21,170
baseline
▲ 0.50% · 4.625%
HK$22,458
+HK$1,288/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,340/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,161
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,756
−HK$602/mo
Today · 4.125%
HK$23,358
baseline
▲ 0.50% · 4.625%
HK$24,590
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,716/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,904
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,648
−HK$755/mo
Today · 4.125%
HK$25,403
baseline
▲ 0.50% · 4.625%
HK$26,949
+HK$1,546/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,806/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,593
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,307
−HK$723/mo
Today · 4.125%
HK$28,030
baseline
▲ 0.50% · 4.625%
HK$29,508
+HK$1,478/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,060/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,888
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,756
−HK$881/mo
Today · 4.125%
HK$29,637
baseline
▲ 0.50% · 4.625%
HK$31,441
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,274/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,026
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,858
−HK$844/mo
Today · 4.125%
HK$32,702
baseline
▲ 0.50% · 4.625%
HK$34,426
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,404/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,857
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,972
−HK$1,133/mo
Today · 4.125%
HK$38,105
baseline
▲ 0.50% · 4.625%
HK$40,424
+HK$2,319/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,210/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,890
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,960
−HK$1,085/mo
Today · 4.125%
HK$42,045
baseline
▲ 0.50% · 4.625%
HK$44,261
+HK$2,216/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,090/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,081 · Scale 2, in force from 26 Feb 2026)