LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,059
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,683
−HK$634/mo
Today · 4.125%
HK$21,317
baseline
▲ 0.50% · 4.625%
HK$22,614
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,634/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,315
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,914
−HK$607/mo
Today · 4.125%
HK$23,521
baseline
▲ 0.50% · 4.625%
HK$24,761
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,042/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,071
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$760/mo
Today · 4.125%
HK$25,580
baseline
▲ 0.50% · 4.625%
HK$27,137
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,160/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,779
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,497
−HK$728/mo
Today · 4.125%
HK$28,225
baseline
▲ 0.50% · 4.625%
HK$29,713
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,450/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,083
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,956
−HK$888/mo
Today · 4.125%
HK$29,844
baseline
▲ 0.50% · 4.625%
HK$31,660
+HK$1,816/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,688/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,242
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,080
−HK$850/mo
Today · 4.125%
HK$32,930
baseline
▲ 0.50% · 4.625%
HK$34,665
+HK$1,735/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,860/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,106
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,229
−HK$1,141/mo
Today · 4.125%
HK$38,370
baseline
▲ 0.50% · 4.625%
HK$40,705
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,740/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,168
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,245
−HK$1,093/mo
Today · 4.125%
HK$42,338
baseline
▲ 0.50% · 4.625%
HK$44,570
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,676/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,905 · Scale 2, in force from 26 Feb 2026)