LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,047
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,670
−HK$634/mo
Today · 4.125%
HK$21,304
baseline
▲ 0.50% · 4.625%
HK$22,600
+HK$1,296/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,608/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,302
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,900
−HK$607/mo
Today · 4.125%
HK$23,507
baseline
▲ 0.50% · 4.625%
HK$24,746
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,014/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,805
−HK$760/mo
Today · 4.125%
HK$25,565
baseline
▲ 0.50% · 4.625%
HK$27,120
+HK$1,555/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$51,130/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,762
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,480
−HK$728/mo
Today · 4.125%
HK$28,208
baseline
▲ 0.50% · 4.625%
HK$29,695
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.27M · min. income ≈ HK$56,416/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,066
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,939
−HK$887/mo
Today · 4.125%
HK$29,826
baseline
▲ 0.50% · 4.625%
HK$31,640
+HK$1,814/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,652/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,223
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,060
−HK$850/mo
Today · 4.125%
HK$32,910
baseline
▲ 0.50% · 4.625%
HK$34,644
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,820/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,084
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,207
−HK$1,140/mo
Today · 4.125%
HK$38,347
baseline
▲ 0.50% · 4.625%
HK$40,680
+HK$2,333/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,694/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,143
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,220
−HK$1,092/mo
Today · 4.125%
HK$42,312
baseline
▲ 0.50% · 4.625%
HK$44,543
+HK$2,231/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,624/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,745 · Scale 2, in force from 26 Feb 2026)