LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,148
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,775
−HK$636/mo
Today · 4.125%
HK$21,411
baseline
▲ 0.50% · 4.625%
HK$22,714
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,822/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,414
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,015
−HK$610/mo
Today · 4.125%
HK$23,625
baseline
▲ 0.50% · 4.625%
HK$24,871
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,250/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,177
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,930
−HK$764/mo
Today · 4.125%
HK$25,694
baseline
▲ 0.50% · 4.625%
HK$27,257
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,388/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,897
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,619
−HK$731/mo
Today · 4.125%
HK$28,350
baseline
▲ 0.50% · 4.625%
HK$29,845
+HK$1,495/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,700/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,207
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$892/mo
Today · 4.125%
HK$29,976
baseline
▲ 0.50% · 4.625%
HK$31,800
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,952/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,380
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,222
−HK$853/mo
Today · 4.125%
HK$33,075
baseline
▲ 0.50% · 4.625%
HK$34,819
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,150/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,266
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,394
−HK$1,146/mo
Today · 4.125%
HK$38,540
baseline
▲ 0.50% · 4.625%
HK$40,886
+HK$2,346/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,080/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,346
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,428
−HK$1,098/mo
Today · 4.125%
HK$42,526
baseline
▲ 0.50% · 4.625%
HK$44,767
+HK$2,241/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,052/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,075 · Scale 2, in force from 26 Feb 2026)