LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,154
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,780
−HK$637/mo
Today · 4.125%
HK$21,417
baseline
▲ 0.50% · 4.625%
HK$22,721
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,834/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,421
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,022
−HK$610/mo
Today · 4.125%
HK$23,632
baseline
▲ 0.50% · 4.625%
HK$24,878
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,264/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,184
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,936
−HK$765/mo
Today · 4.125%
HK$25,701
baseline
▲ 0.50% · 4.625%
HK$27,265
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,402/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,905
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,626
−HK$732/mo
Today · 4.125%
HK$28,358
baseline
▲ 0.50% · 4.625%
HK$29,853
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,716/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,215
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,093
−HK$891/mo
Today · 4.125%
HK$29,984
baseline
▲ 0.50% · 4.625%
HK$31,809
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,968/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,389
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,231
−HK$854/mo
Today · 4.125%
HK$33,085
baseline
▲ 0.50% · 4.625%
HK$34,829
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,170/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,276
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,405
−HK$1,146/mo
Today · 4.125%
HK$38,551
baseline
▲ 0.50% · 4.625%
HK$40,897
+HK$2,346/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,102/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,357
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,439
−HK$1,098/mo
Today · 4.125%
HK$42,537
baseline
▲ 0.50% · 4.625%
HK$44,780
+HK$2,243/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,074/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,148 · Scale 2, in force from 26 Feb 2026)