LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,066
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,690
−HK$634/mo
Today · 4.125%
HK$21,324
baseline
▲ 0.50% · 4.625%
HK$22,621
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,648/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,323
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,921
−HK$608/mo
Today · 4.125%
HK$23,529
baseline
▲ 0.50% · 4.625%
HK$24,769
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,058/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,079
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,828
−HK$761/mo
Today · 4.125%
HK$25,589
baseline
▲ 0.50% · 4.625%
HK$27,146
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,178/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,787
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,506
−HK$729/mo
Today · 4.125%
HK$28,235
baseline
▲ 0.50% · 4.625%
HK$29,723
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,470/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,092
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$28,966
−HK$887/mo
Today · 4.125%
HK$29,853
baseline
▲ 0.50% · 4.625%
HK$31,670
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,706/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,252
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,090
−HK$850/mo
Today · 4.125%
HK$32,940
baseline
▲ 0.50% · 4.625%
HK$34,677
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,880/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,118
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,241
−HK$1,142/mo
Today · 4.125%
HK$38,383
baseline
▲ 0.50% · 4.625%
HK$40,718
+HK$2,335/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,766/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,181
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,259
−HK$1,093/mo
Today · 4.125%
HK$42,352
baseline
▲ 0.50% · 4.625%
HK$44,584
+HK$2,232/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,704/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,991 · Scale 2, in force from 26 Feb 2026)