LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,062
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,686
−HK$634/mo
Today · 4.125%
HK$21,320
baseline
▲ 0.50% · 4.625%
HK$22,618
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,640/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,319
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,918
−HK$607/mo
Today · 4.125%
HK$23,525
baseline
▲ 0.50% · 4.625%
HK$24,765
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,050/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,075
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,824
−HK$760/mo
Today · 4.125%
HK$25,584
baseline
▲ 0.50% · 4.625%
HK$27,141
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,168/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,783
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,501
−HK$729/mo
Today · 4.125%
HK$28,230
baseline
▲ 0.50% · 4.625%
HK$29,718
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,460/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,087
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,961
−HK$887/mo
Today · 4.125%
HK$29,848
baseline
▲ 0.50% · 4.625%
HK$31,665
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,696/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,247
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,085
−HK$850/mo
Today · 4.125%
HK$32,935
baseline
▲ 0.50% · 4.625%
HK$34,671
+HK$1,736/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,870/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,112
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,235
−HK$1,142/mo
Today · 4.125%
HK$38,377
baseline
▲ 0.50% · 4.625%
HK$40,712
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,754/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,174
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,252
−HK$1,093/mo
Today · 4.125%
HK$42,345
baseline
▲ 0.50% · 4.625%
HK$44,577
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,690/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,948 · Scale 2, in force from 26 Feb 2026)