LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,072
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,696
−HK$635/mo
Today · 4.125%
HK$21,331
baseline
▲ 0.50% · 4.625%
HK$22,629
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,662/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,330
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,929
−HK$607/mo
Today · 4.125%
HK$23,536
baseline
▲ 0.50% · 4.625%
HK$24,777
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,072/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,087
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,836
−HK$761/mo
Today · 4.125%
HK$25,597
baseline
▲ 0.50% · 4.625%
HK$27,154
+HK$1,557/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,194/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,796
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,515
−HK$729/mo
Today · 4.125%
HK$28,244
baseline
▲ 0.50% · 4.625%
HK$29,732
+HK$1,488/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,488/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,101
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$28,975
−HK$888/mo
Today · 4.125%
HK$29,863
baseline
▲ 0.50% · 4.625%
HK$31,680
+HK$1,817/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,726/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,262
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$32,100
−HK$851/mo
Today · 4.125%
HK$32,951
baseline
▲ 0.50% · 4.625%
HK$34,688
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,902/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$264,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,130
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,254
−HK$1,141/mo
Today · 4.125%
HK$38,395
baseline
▲ 0.50% · 4.625%
HK$40,732
+HK$2,337/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,790/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,194
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,272
−HK$1,094/mo
Today · 4.125%
HK$42,366
baseline
▲ 0.50% · 4.625%
HK$44,599
+HK$2,233/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,732/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,077 · Scale 2, in force from 26 Feb 2026)