LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,140
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,766
−HK$637/mo
Today · 4.125%
HK$21,403
baseline
▲ 0.50% · 4.625%
HK$22,705
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,806/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,405
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,006
−HK$610/mo
Today · 4.125%
HK$23,616
baseline
▲ 0.50% · 4.625%
HK$24,860
+HK$1,244/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,232/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,168
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,919
−HK$764/mo
Today · 4.125%
HK$25,683
baseline
▲ 0.50% · 4.625%
HK$27,246
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,366/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,886
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,607
−HK$732/mo
Today · 4.125%
HK$28,339
baseline
▲ 0.50% · 4.625%
HK$29,832
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,678/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,195
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,072
−HK$892/mo
Today · 4.125%
HK$29,964
baseline
▲ 0.50% · 4.625%
HK$31,787
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,928/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,367
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,208
−HK$854/mo
Today · 4.125%
HK$33,062
baseline
▲ 0.50% · 4.625%
HK$34,805
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,124/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,251
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,379
−HK$1,146/mo
Today · 4.125%
HK$38,525
baseline
▲ 0.50% · 4.625%
HK$40,869
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,050/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,329
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,411
−HK$1,097/mo
Today · 4.125%
HK$42,508
baseline
▲ 0.50% · 4.625%
HK$44,749
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,016/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,965 · Scale 2, in force from 26 Feb 2026)