LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,077
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,702
−HK$635/mo
Today · 4.125%
HK$21,337
baseline
▲ 0.50% · 4.625%
HK$22,635
+HK$1,298/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,674/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,336
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,935
−HK$608/mo
Today · 4.125%
HK$23,543
baseline
▲ 0.50% · 4.625%
HK$24,784
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,086/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,093
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,842
−HK$762/mo
Today · 4.125%
HK$25,604
baseline
▲ 0.50% · 4.625%
HK$27,162
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,208/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,803
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,522
−HK$729/mo
Today · 4.125%
HK$28,251
baseline
▲ 0.50% · 4.625%
HK$29,740
+HK$1,489/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,502/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,108
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,983
−HK$888/mo
Today · 4.125%
HK$29,871
baseline
▲ 0.50% · 4.625%
HK$31,689
+HK$1,818/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$59,742/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,270
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,109
−HK$851/mo
Today · 4.125%
HK$32,960
baseline
▲ 0.50% · 4.625%
HK$34,697
+HK$1,737/mo
Deposit HK$2.64M · loan HK$6.16M · min. income ≈ HK$65,920/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,139
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,264
−HK$1,142/mo
Today · 4.125%
HK$38,406
baseline
▲ 0.50% · 4.625%
HK$40,743
+HK$2,337/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$76,812/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,205
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,283
−HK$1,094/mo
Today · 4.125%
HK$42,377
baseline
▲ 0.50% · 4.625%
HK$44,611
+HK$2,234/mo
Deposit HK$880K · loan HK$7.92M · min. income ≈ HK$84,754/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$264,148 · Scale 2, in force from 26 Feb 2026)