LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,000
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,623
−HK$632/mo
Today · 4.125%
HK$21,255
baseline
▲ 0.50% · 4.625%
HK$22,548
+HK$1,293/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,510/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,250
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,847
−HK$605/mo
Today · 4.125%
HK$23,452
baseline
▲ 0.50% · 4.625%
HK$24,689
+HK$1,237/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,904/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,001
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,747
−HK$759/mo
Today · 4.125%
HK$25,506
baseline
▲ 0.50% · 4.625%
HK$27,058
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,012/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,700
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,416
−HK$727/mo
Today · 4.125%
HK$28,143
baseline
▲ 0.50% · 4.625%
HK$29,626
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,286/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,001
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,872
−HK$884/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,567
+HK$1,811/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,150
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,986
−HK$847/mo
Today · 4.125%
HK$32,833
baseline
▲ 0.50% · 4.625%
HK$34,564
+HK$1,731/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,666/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,001
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,121
−HK$1,137/mo
Today · 4.125%
HK$38,258
baseline
▲ 0.50% · 4.625%
HK$40,586
+HK$2,328/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,516/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,050
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,125
−HK$1,089/mo
Today · 4.125%
HK$42,214
baseline
▲ 0.50% · 4.625%
HK$44,439
+HK$2,225/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,428/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,134 · Scale 2, in force from 26 Feb 2026)