LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,069
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,693
−HK$635/mo
Today · 4.125%
HK$21,328
baseline
▲ 0.50% · 4.625%
HK$22,625
+HK$1,297/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,656/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$264,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,327
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,926
−HK$607/mo
Today · 4.125%
HK$23,533
baseline
▲ 0.50% · 4.625%
HK$24,773
+HK$1,240/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,066/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$264,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,083
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,832
−HK$761/mo
Today · 4.125%
HK$25,593
baseline
▲ 0.50% · 4.625%
HK$27,151
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,186/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,792
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,511
−HK$729/mo
Today · 4.125%
HK$28,240
baseline
▲ 0.50% · 4.625%
HK$29,728
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,480/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$264,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,097
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,971
−HK$888/mo
Today · 4.125%
HK$29,859
baseline
▲ 0.50% · 4.625%
HK$31,676
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,718/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,258
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$32,096
−HK$850/mo
Today · 4.125%
HK$32,946
baseline
▲ 0.50% · 4.625%
HK$34,683
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,892/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,125
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,248
−HK$1,142/mo
Today · 4.125%
HK$38,390
baseline
▲ 0.50% · 4.625%
HK$40,726
+HK$2,336/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,780/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,188
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,266
−HK$1,093/mo
Today · 4.125%
HK$42,359
baseline
▲ 0.50% · 4.625%
HK$44,592
+HK$2,233/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,718/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,039 · Scale 2, in force from 26 Feb 2026)