LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,147
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,774
−HK$636/mo
Today · 4.125%
HK$21,410
baseline
▲ 0.50% · 4.625%
HK$22,713
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,820/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,413
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,014
−HK$610/mo
Today · 4.125%
HK$23,624
baseline
▲ 0.50% · 4.625%
HK$24,870
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,248/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,176
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,928
−HK$764/mo
Today · 4.125%
HK$25,692
baseline
▲ 0.50% · 4.625%
HK$27,256
+HK$1,564/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,384/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,896
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,617
−HK$732/mo
Today · 4.125%
HK$28,349
baseline
▲ 0.50% · 4.625%
HK$29,843
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,698/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,206
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,083
−HK$892/mo
Today · 4.125%
HK$29,975
baseline
▲ 0.50% · 4.625%
HK$31,798
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,950/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,379
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,220
−HK$854/mo
Today · 4.125%
HK$33,074
baseline
▲ 0.50% · 4.625%
HK$34,817
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,148/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,265
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,393
−HK$1,146/mo
Today · 4.125%
HK$38,539
baseline
▲ 0.50% · 4.625%
HK$40,884
+HK$2,345/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,078/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,344
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,426
−HK$1,098/mo
Today · 4.125%
HK$42,524
baseline
▲ 0.50% · 4.625%
HK$44,765
+HK$2,241/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,048/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,063 · Scale 2, in force from 26 Feb 2026)