LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,053
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,677
−HK$633/mo
Today · 4.125%
HK$21,310
baseline
▲ 0.50% · 4.625%
HK$22,607
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,620/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,309
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,907
−HK$607/mo
Today · 4.125%
HK$23,514
baseline
▲ 0.50% · 4.625%
HK$24,753
+HK$1,239/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,028/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,063
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,812
−HK$760/mo
Today · 4.125%
HK$25,572
baseline
▲ 0.50% · 4.625%
HK$27,128
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,144/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,770
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,488
−HK$729/mo
Today · 4.125%
HK$28,217
baseline
▲ 0.50% · 4.625%
HK$29,704
+HK$1,487/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,434/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,074
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,947
−HK$887/mo
Today · 4.125%
HK$29,834
baseline
▲ 0.50% · 4.625%
HK$31,650
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,668/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,232
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,070
−HK$849/mo
Today · 4.125%
HK$32,919
baseline
▲ 0.50% · 4.625%
HK$34,655
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,838/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,095
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,218
−HK$1,141/mo
Today · 4.125%
HK$38,359
baseline
▲ 0.50% · 4.625%
HK$40,693
+HK$2,334/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$76,718/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,155
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,232
−HK$1,093/mo
Today · 4.125%
HK$42,325
baseline
▲ 0.50% · 4.625%
HK$44,556
+HK$2,231/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,650/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,823 · Scale 2, in force from 26 Feb 2026)