LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,144
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,770
−HK$637/mo
Today · 4.125%
HK$21,407
baseline
▲ 0.50% · 4.625%
HK$22,709
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,814/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,410
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,011
−HK$609/mo
Today · 4.125%
HK$23,620
baseline
▲ 0.50% · 4.625%
HK$24,866
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,240/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,172
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,924
−HK$764/mo
Today · 4.125%
HK$25,688
baseline
▲ 0.50% · 4.625%
HK$27,251
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,376/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,892
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,613
−HK$732/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$29,839
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,201
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,078
−HK$892/mo
Today · 4.125%
HK$29,970
baseline
▲ 0.50% · 4.625%
HK$31,793
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,940/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,374
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,215
−HK$854/mo
Today · 4.125%
HK$33,069
baseline
▲ 0.50% · 4.625%
HK$34,812
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,138/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,259
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,387
−HK$1,145/mo
Today · 4.125%
HK$38,532
baseline
▲ 0.50% · 4.625%
HK$40,877
+HK$2,345/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,064/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,337
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,419
−HK$1,098/mo
Today · 4.125%
HK$42,517
baseline
▲ 0.50% · 4.625%
HK$44,758
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,034/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,020 · Scale 2, in force from 26 Feb 2026)