LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,140
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,767
−HK$636/mo
Today · 4.125%
HK$21,403
baseline
▲ 0.50% · 4.625%
HK$22,706
+HK$1,303/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$264,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,406
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,007
−HK$609/mo
Today · 4.125%
HK$23,616
baseline
▲ 0.50% · 4.625%
HK$24,861
+HK$1,245/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$264,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,168
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,920
−HK$764/mo
Today · 4.125%
HK$25,684
baseline
▲ 0.50% · 4.625%
HK$27,247
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,368/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,887
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,608
−HK$732/mo
Today · 4.125%
HK$28,340
baseline
▲ 0.50% · 4.625%
HK$29,834
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,680/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,197
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,074
−HK$891/mo
Today · 4.125%
HK$29,965
baseline
▲ 0.50% · 4.625%
HK$31,788
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,930/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,368
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,210
−HK$853/mo
Today · 4.125%
HK$33,063
baseline
▲ 0.50% · 4.625%
HK$34,806
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,126/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,253
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,380
−HK$1,146/mo
Today · 4.125%
HK$38,526
baseline
▲ 0.50% · 4.625%
HK$40,870
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,052/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,331
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,412
−HK$1,098/mo
Today · 4.125%
HK$42,510
baseline
▲ 0.50% · 4.625%
HK$44,750
+HK$2,240/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,020/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,975 · Scale 2, in force from 26 Feb 2026)