LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,092
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,717
−HK$635/mo
Today · 4.125%
HK$21,352
baseline
▲ 0.50% · 4.625%
HK$22,652
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,704/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,353
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,952
−HK$608/mo
Today · 4.125%
HK$23,560
baseline
▲ 0.50% · 4.625%
HK$24,802
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,120/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,111
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,861
−HK$762/mo
Today · 4.125%
HK$25,623
baseline
▲ 0.50% · 4.625%
HK$27,182
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$51,246/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,823
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,543
−HK$729/mo
Today · 4.125%
HK$28,272
baseline
▲ 0.50% · 4.625%
HK$29,763
+HK$1,491/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$56,544/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,129
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,004
−HK$889/mo
Today · 4.125%
HK$29,893
baseline
▲ 0.50% · 4.625%
HK$31,712
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,786/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,294
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,133
−HK$851/mo
Today · 4.125%
HK$32,984
baseline
▲ 0.50% · 4.625%
HK$34,723
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,968/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,166
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,291
−HK$1,143/mo
Today · 4.125%
HK$38,434
baseline
▲ 0.50% · 4.625%
HK$40,773
+HK$2,339/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,868/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,235
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,314
−HK$1,095/mo
Today · 4.125%
HK$42,409
baseline
▲ 0.50% · 4.625%
HK$44,644
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,818/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,345 · Scale 2, in force from 26 Feb 2026)