LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,046
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,669
−HK$634/mo
Today · 4.125%
HK$21,303
baseline
▲ 0.50% · 4.625%
HK$22,599
+HK$1,296/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,606/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,301
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,899
−HK$606/mo
Today · 4.125%
HK$23,505
baseline
▲ 0.50% · 4.625%
HK$24,744
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,010/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,055
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,803
−HK$760/mo
Today · 4.125%
HK$25,563
baseline
▲ 0.50% · 4.625%
HK$27,119
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,126/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,761
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,478
−HK$728/mo
Today · 4.125%
HK$28,206
baseline
▲ 0.50% · 4.625%
HK$29,693
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,412/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,064
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,937
−HK$887/mo
Today · 4.125%
HK$29,824
baseline
▲ 0.50% · 4.625%
HK$31,638
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,648/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,221
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,058
−HK$849/mo
Today · 4.125%
HK$32,907
baseline
▲ 0.50% · 4.625%
HK$34,642
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,814/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,082
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,204
−HK$1,141/mo
Today · 4.125%
HK$38,345
baseline
▲ 0.50% · 4.625%
HK$40,678
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,690/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,141
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,217
−HK$1,093/mo
Today · 4.125%
HK$42,310
baseline
▲ 0.50% · 4.625%
HK$44,540
+HK$2,230/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,620/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,729 · Scale 2, in force from 26 Feb 2026)