LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,105
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,731
−HK$635/mo
Today · 4.125%
HK$21,366
baseline
▲ 0.50% · 4.625%
HK$22,666
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,732/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,367
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,967
−HK$608/mo
Today · 4.125%
HK$23,575
baseline
▲ 0.50% · 4.625%
HK$24,818
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,150/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,126
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,877
−HK$762/mo
Today · 4.125%
HK$25,639
baseline
▲ 0.50% · 4.625%
HK$27,199
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,278/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,840
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,560
−HK$730/mo
Today · 4.125%
HK$28,290
baseline
▲ 0.50% · 4.625%
HK$29,782
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,580/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,147
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,023
−HK$889/mo
Today · 4.125%
HK$29,912
baseline
▲ 0.50% · 4.625%
HK$31,733
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,824/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,314
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,153
−HK$852/mo
Today · 4.125%
HK$33,005
baseline
▲ 0.50% · 4.625%
HK$34,745
+HK$1,740/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,010/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,189
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,315
−HK$1,144/mo
Today · 4.125%
HK$38,459
baseline
▲ 0.50% · 4.625%
HK$40,799
+HK$2,340/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,918/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,260
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,340
−HK$1,096/mo
Today · 4.125%
HK$42,436
baseline
▲ 0.50% · 4.625%
HK$44,672
+HK$2,236/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,872/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,513 · Scale 2, in force from 26 Feb 2026)