LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,102
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,727
−HK$636/mo
Today · 4.125%
HK$21,363
baseline
▲ 0.50% · 4.625%
HK$22,662
+HK$1,299/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,726/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,363
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,963
−HK$608/mo
Today · 4.125%
HK$23,571
baseline
▲ 0.50% · 4.625%
HK$24,814
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,142/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,122
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,873
−HK$762/mo
Today · 4.125%
HK$25,635
baseline
▲ 0.50% · 4.625%
HK$27,195
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,270/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,836
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,556
−HK$730/mo
Today · 4.125%
HK$28,286
baseline
▲ 0.50% · 4.625%
HK$29,777
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,572/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,143
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,018
−HK$890/mo
Today · 4.125%
HK$29,908
baseline
▲ 0.50% · 4.625%
HK$31,727
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,816/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,308
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,148
−HK$852/mo
Today · 4.125%
HK$33,000
baseline
▲ 0.50% · 4.625%
HK$34,739
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$66,000/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,183
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,309
−HK$1,144/mo
Today · 4.125%
HK$38,453
baseline
▲ 0.50% · 4.625%
HK$40,792
+HK$2,339/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$76,906/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,254
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,333
−HK$1,096/mo
Today · 4.125%
HK$42,429
baseline
▲ 0.50% · 4.625%
HK$44,665
+HK$2,236/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$84,858/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,470 · Scale 2, in force from 26 Feb 2026)