LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,120
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,746
−HK$636/mo
Today · 4.125%
HK$21,382
baseline
▲ 0.50% · 4.625%
HK$22,683
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,764/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,383
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,983
−HK$609/mo
Today · 4.125%
HK$23,592
baseline
▲ 0.50% · 4.625%
HK$24,836
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,184/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,144
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,895
−HK$763/mo
Today · 4.125%
HK$25,658
baseline
▲ 0.50% · 4.625%
HK$27,219
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,316/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,860
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,580
−HK$731/mo
Today · 4.125%
HK$28,311
baseline
▲ 0.50% · 4.625%
HK$29,803
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,622/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,168
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,044
−HK$890/mo
Today · 4.125%
HK$29,934
baseline
▲ 0.50% · 4.625%
HK$31,756
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,868/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,336
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,177
−HK$852/mo
Today · 4.125%
HK$33,029
baseline
▲ 0.50% · 4.625%
HK$34,770
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,058/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,216
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$1,145/mo
Today · 4.125%
HK$38,487
baseline
▲ 0.50% · 4.625%
HK$40,829
+HK$2,342/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,974/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,290
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,370
−HK$1,096/mo
Today · 4.125%
HK$42,466
baseline
▲ 0.50% · 4.625%
HK$44,705
+HK$2,239/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,932/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,705 · Scale 2, in force from 26 Feb 2026)