LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,928
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,548
−HK$630/mo
Today · 4.125%
HK$21,178
baseline
▲ 0.50% · 4.625%
HK$22,467
+HK$1,289/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$42,356/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,170
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,765
−HK$603/mo
Today · 4.125%
HK$23,368
baseline
▲ 0.50% · 4.625%
HK$24,600
+HK$1,232/mo
Deposit HK$4.37M · loan HK$4.37M · min. income ≈ HK$46,736/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$262,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,914
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,658
−HK$756/mo
Today · 4.125%
HK$25,414
baseline
▲ 0.50% · 4.625%
HK$26,960
+HK$1,546/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$50,828/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,604
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,318
−HK$723/mo
Today · 4.125%
HK$28,041
baseline
▲ 0.50% · 4.625%
HK$29,520
+HK$1,479/mo
Deposit HK$3.50M · loan HK$5.24M · min. income ≈ HK$56,082/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$262,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,900
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,767
−HK$882/mo
Today · 4.125%
HK$29,649
baseline
▲ 0.50% · 4.625%
HK$31,453
+HK$1,804/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$59,298/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,038
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,871
−HK$844/mo
Today · 4.125%
HK$32,715
baseline
▲ 0.50% · 4.625%
HK$34,439
+HK$1,724/mo
Deposit HK$2.62M · loan HK$6.12M · min. income ≈ HK$65,430/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$262,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,871
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,987
−HK$1,133/mo
Today · 4.125%
HK$38,120
baseline
▲ 0.50% · 4.625%
HK$40,440
+HK$2,320/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$76,240/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,906
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,976
−HK$1,086/mo
Today · 4.125%
HK$42,062
baseline
▲ 0.50% · 4.625%
HK$44,279
+HK$2,217/mo
Deposit HK$874K · loan HK$7.87M · min. income ≈ HK$84,124/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,186 · Scale 2, in force from 26 Feb 2026)