LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,159
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,786
−HK$637/mo
Today · 4.125%
HK$21,423
baseline
▲ 0.50% · 4.625%
HK$22,726
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,846/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,426
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,028
−HK$610/mo
Today · 4.125%
HK$23,638
baseline
▲ 0.50% · 4.625%
HK$24,884
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,276/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,190
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,943
−HK$764/mo
Today · 4.125%
HK$25,707
baseline
▲ 0.50% · 4.625%
HK$27,272
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,414/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,912
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,633
−HK$733/mo
Today · 4.125%
HK$28,366
baseline
▲ 0.50% · 4.625%
HK$29,861
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,732/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,222
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,100
−HK$892/mo
Today · 4.125%
HK$29,992
baseline
▲ 0.50% · 4.625%
HK$31,817
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,984/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,397
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,239
−HK$854/mo
Today · 4.125%
HK$33,093
baseline
▲ 0.50% · 4.625%
HK$34,838
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,186/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,286
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,414
−HK$1,147/mo
Today · 4.125%
HK$38,561
baseline
▲ 0.50% · 4.625%
HK$40,907
+HK$2,346/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,122/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,367
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,450
−HK$1,098/mo
Today · 4.125%
HK$42,548
baseline
▲ 0.50% · 4.625%
HK$44,791
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,096/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,216 · Scale 2, in force from 26 Feb 2026)