LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,084
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,709
−HK$635/mo
Today · 4.125%
HK$21,344
baseline
▲ 0.50% · 4.625%
HK$22,643
+HK$1,299/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$42,688/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,344
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$608/mo
Today · 4.125%
HK$23,551
baseline
▲ 0.50% · 4.625%
HK$24,792
+HK$1,241/mo
Deposit HK$4.40M · loan HK$4.40M · min. income ≈ HK$47,102/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,101
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,851
−HK$762/mo
Today · 4.125%
HK$25,613
baseline
▲ 0.50% · 4.625%
HK$27,171
+HK$1,558/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$51,226/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,812
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,531
−HK$730/mo
Today · 4.125%
HK$28,261
baseline
▲ 0.50% · 4.625%
HK$29,751
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.28M · min. income ≈ HK$56,522/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,118
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$28,993
−HK$888/mo
Today · 4.125%
HK$29,881
baseline
▲ 0.50% · 4.625%
HK$31,700
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,762/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,281
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,120
−HK$851/mo
Today · 4.125%
HK$32,971
baseline
▲ 0.50% · 4.625%
HK$34,709
+HK$1,738/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,942/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,152
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$1,143/mo
Today · 4.125%
HK$38,419
baseline
▲ 0.50% · 4.625%
HK$40,757
+HK$2,338/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,838/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,219
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,094/mo
Today · 4.125%
HK$42,391
baseline
▲ 0.50% · 4.625%
HK$44,626
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,782/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,238 · Scale 2, in force from 26 Feb 2026)