LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,053
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,677
−HK$634/mo
Today · 4.125%
HK$21,311
baseline
▲ 0.50% · 4.625%
HK$22,607
+HK$1,296/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,622/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,828 · 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$24,754
+HK$1,240/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$263,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,064
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,812
−HK$761/mo
Today · 4.125%
HK$25,573
baseline
▲ 0.50% · 4.625%
HK$27,129
+HK$1,556/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,146/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,771
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,489
−HK$728/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$263,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,074
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,948
−HK$887/mo
Today · 4.125%
HK$29,835
baseline
▲ 0.50% · 4.625%
HK$31,650
+HK$1,815/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,670/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,232
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,070
−HK$850/mo
Today · 4.125%
HK$32,920
baseline
▲ 0.50% · 4.625%
HK$34,655
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,840/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,096
−HK$2,263/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$263,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,156
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,233
−HK$1,093/mo
Today · 4.125%
HK$42,326
baseline
▲ 0.50% · 4.625%
HK$44,557
+HK$2,231/mo
Deposit HK$879K · loan HK$7.91M · min. income ≈ HK$84,652/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,828 · Scale 2, in force from 26 Feb 2026)