LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,117
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,743
−HK$635/mo
Today · 4.125%
HK$21,378
baseline
▲ 0.50% · 4.625%
HK$22,679
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,756/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,380
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,980
−HK$609/mo
Today · 4.125%
HK$23,589
baseline
▲ 0.50% · 4.625%
HK$24,832
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,178/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,140
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,891
−HK$763/mo
Today · 4.125%
HK$25,654
baseline
▲ 0.50% · 4.625%
HK$27,215
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,308/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,856
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,576
−HK$731/mo
Today · 4.125%
HK$28,307
baseline
▲ 0.50% · 4.625%
HK$29,799
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,614/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,164
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,040
−HK$890/mo
Today · 4.125%
HK$29,930
baseline
▲ 0.50% · 4.625%
HK$31,751
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,860/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,332
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,172
−HK$853/mo
Today · 4.125%
HK$33,025
baseline
▲ 0.50% · 4.625%
HK$34,765
+HK$1,740/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,050/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,210
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,337
−HK$1,144/mo
Today · 4.125%
HK$38,481
baseline
▲ 0.50% · 4.625%
HK$40,823
+HK$2,342/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,962/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,284
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,364
−HK$1,096/mo
Today · 4.125%
HK$42,460
baseline
▲ 0.50% · 4.625%
HK$44,698
+HK$2,238/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,920/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,667 · Scale 2, in force from 26 Feb 2026)