LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,160
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,787
−HK$637/mo
Today · 4.125%
HK$21,424
baseline
▲ 0.50% · 4.625%
HK$22,728
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,848/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,427
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,029
−HK$610/mo
Today · 4.125%
HK$23,639
baseline
▲ 0.50% · 4.625%
HK$24,885
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,278/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,192
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,944
−HK$765/mo
Today · 4.125%
HK$25,709
baseline
▲ 0.50% · 4.625%
HK$27,273
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,418/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,913
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,635
−HK$732/mo
Today · 4.125%
HK$28,367
baseline
▲ 0.50% · 4.625%
HK$29,862
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,734/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,224
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,102
−HK$891/mo
Today · 4.125%
HK$29,993
baseline
▲ 0.50% · 4.625%
HK$31,819
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,986/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,398
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,241
−HK$854/mo
Today · 4.125%
HK$33,095
baseline
▲ 0.50% · 4.625%
HK$34,839
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,190/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,288
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,416
−HK$1,147/mo
Today · 4.125%
HK$38,563
baseline
▲ 0.50% · 4.625%
HK$40,910
+HK$2,347/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,126/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,369
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,452
−HK$1,099/mo
Today · 4.125%
HK$42,551
baseline
▲ 0.50% · 4.625%
HK$44,793
+HK$2,242/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,102/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,230 · Scale 2, in force from 26 Feb 2026)