LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,131
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,757
−HK$636/mo
Today · 4.125%
HK$21,393
baseline
▲ 0.50% · 4.625%
HK$22,695
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,786/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,395
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,996
−HK$609/mo
Today · 4.125%
HK$23,605
baseline
▲ 0.50% · 4.625%
HK$24,850
+HK$1,245/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,210/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,157
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,909
−HK$763/mo
Today · 4.125%
HK$25,672
baseline
▲ 0.50% · 4.625%
HK$27,234
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,344/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,875
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,595
−HK$731/mo
Today · 4.125%
HK$28,326
baseline
▲ 0.50% · 4.625%
HK$29,820
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,652/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,183
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,060
−HK$891/mo
Today · 4.125%
HK$29,951
baseline
▲ 0.50% · 4.625%
HK$31,773
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,902/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,354
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,194
−HK$854/mo
Today · 4.125%
HK$33,048
baseline
▲ 0.50% · 4.625%
HK$34,790
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,096/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,236
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,363
−HK$1,145/mo
Today · 4.125%
HK$38,508
baseline
▲ 0.50% · 4.625%
HK$40,851
+HK$2,343/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,016/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,312
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,393
−HK$1,097/mo
Today · 4.125%
HK$42,490
baseline
▲ 0.50% · 4.625%
HK$44,729
+HK$2,239/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,980/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,851 · Scale 2, in force from 26 Feb 2026)