LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,143
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,769
−HK$637/mo
Today · 4.125%
HK$21,406
baseline
▲ 0.50% · 4.625%
HK$22,708
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,812/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,409
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,010
−HK$609/mo
Today · 4.125%
HK$23,619
baseline
▲ 0.50% · 4.625%
HK$24,864
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,238/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,171
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,923
−HK$764/mo
Today · 4.125%
HK$25,687
baseline
▲ 0.50% · 4.625%
HK$27,250
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,374/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,890
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,612
−HK$731/mo
Today · 4.125%
HK$28,343
baseline
▲ 0.50% · 4.625%
HK$29,837
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,686/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,200
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,077
−HK$891/mo
Today · 4.125%
HK$29,968
baseline
▲ 0.50% · 4.625%
HK$31,792
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,936/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,372
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,214
−HK$853/mo
Today · 4.125%
HK$33,067
baseline
▲ 0.50% · 4.625%
HK$34,810
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,134/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,257
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,385
−HK$1,146/mo
Today · 4.125%
HK$38,531
baseline
▲ 0.50% · 4.625%
HK$40,875
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,062/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,336
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,417
−HK$1,098/mo
Today · 4.125%
HK$42,515
baseline
▲ 0.50% · 4.625%
HK$44,756
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,030/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,008 · Scale 2, in force from 26 Feb 2026)