LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,133
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,759
−HK$636/mo
Today · 4.125%
HK$21,395
baseline
▲ 0.50% · 4.625%
HK$22,697
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,790/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,397
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$22,998
−HK$610/mo
Today · 4.125%
HK$23,608
baseline
▲ 0.50% · 4.625%
HK$24,852
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,216/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,159
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,911
−HK$763/mo
Today · 4.125%
HK$25,674
baseline
▲ 0.50% · 4.625%
HK$27,237
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,348/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,877
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,598
−HK$731/mo
Today · 4.125%
HK$28,329
baseline
▲ 0.50% · 4.625%
HK$29,822
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,658/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,186
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,063
−HK$890/mo
Today · 4.125%
HK$29,953
baseline
▲ 0.50% · 4.625%
HK$31,776
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,906/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,356
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,197
−HK$854/mo
Today · 4.125%
HK$33,051
baseline
▲ 0.50% · 4.625%
HK$34,793
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,102/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,239
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,366
−HK$1,145/mo
Today · 4.125%
HK$38,511
baseline
▲ 0.50% · 4.625%
HK$40,855
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,022/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,315
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,397
−HK$1,097/mo
Today · 4.125%
HK$42,494
baseline
▲ 0.50% · 4.625%
HK$44,733
+HK$2,239/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,988/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,875 · Scale 2, in force from 26 Feb 2026)