LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,149
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,776
−HK$637/mo
Today · 4.125%
HK$21,413
baseline
▲ 0.50% · 4.625%
HK$22,716
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,826/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,416
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,017
−HK$610/mo
Today · 4.125%
HK$23,627
baseline
▲ 0.50% · 4.625%
HK$24,872
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,254/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,179
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,931
−HK$764/mo
Today · 4.125%
HK$25,695
baseline
▲ 0.50% · 4.625%
HK$27,259
+HK$1,564/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,390/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,899
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,620
−HK$732/mo
Today · 4.125%
HK$28,352
baseline
▲ 0.50% · 4.625%
HK$29,847
+HK$1,495/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,704/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,209
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,086
−HK$892/mo
Today · 4.125%
HK$29,978
baseline
▲ 0.50% · 4.625%
HK$31,802
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,956/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,382
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,224
−HK$854/mo
Today · 4.125%
HK$33,078
baseline
▲ 0.50% · 4.625%
HK$34,821
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,156/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,269
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,397
−HK$1,146/mo
Today · 4.125%
HK$38,543
baseline
▲ 0.50% · 4.625%
HK$40,888
+HK$2,345/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,086/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,349
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,431
−HK$1,097/mo
Today · 4.125%
HK$42,528
baseline
▲ 0.50% · 4.625%
HK$44,770
+HK$2,242/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,056/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,093 · Scale 2, in force from 26 Feb 2026)