LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,926
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,545
−HK$630/mo
Today · 4.125%
HK$21,175
baseline
▲ 0.50% · 4.625%
HK$22,464
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,350/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,167
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,761
−HK$604/mo
Today · 4.125%
HK$23,365
baseline
▲ 0.50% · 4.625%
HK$24,596
+HK$1,231/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,730/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,911
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$756/mo
Today · 4.125%
HK$25,410
baseline
▲ 0.50% · 4.625%
HK$26,956
+HK$1,546/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,820/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,600
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,314
−HK$723/mo
Today · 4.125%
HK$28,037
baseline
▲ 0.50% · 4.625%
HK$29,515
+HK$1,478/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,074/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,896
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,763
−HK$882/mo
Today · 4.125%
HK$29,645
baseline
▲ 0.50% · 4.625%
HK$31,449
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,290/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,034
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,866
−HK$844/mo
Today · 4.125%
HK$32,710
baseline
▲ 0.50% · 4.625%
HK$34,435
+HK$1,725/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,420/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,866
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,982
−HK$1,133/mo
Today · 4.125%
HK$38,115
baseline
▲ 0.50% · 4.625%
HK$40,434
+HK$2,319/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$76,230/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,901
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,971
−HK$1,085/mo
Today · 4.125%
HK$42,056
baseline
▲ 0.50% · 4.625%
HK$44,273
+HK$2,217/mo
Deposit HK$874K · loan HK$7.86M · min. income ≈ HK$84,112/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,149 · Scale 2, in force from 26 Feb 2026)