LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,168
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,796
−HK$637/mo
Today · 4.125%
HK$21,433
baseline
▲ 0.50% · 4.625%
HK$22,737
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,866/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,437
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,039
−HK$610/mo
Today · 4.125%
HK$23,649
baseline
▲ 0.50% · 4.625%
HK$24,896
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,298/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,202
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,955
−HK$765/mo
Today · 4.125%
HK$25,720
baseline
▲ 0.50% · 4.625%
HK$27,285
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,440/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,925
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,647
−HK$732/mo
Today · 4.125%
HK$28,379
baseline
▲ 0.50% · 4.625%
HK$29,875
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,758/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,236
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,114
−HK$893/mo
Today · 4.125%
HK$30,007
baseline
▲ 0.50% · 4.625%
HK$31,832
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,014/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,412
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,255
−HK$854/mo
Today · 4.125%
HK$33,109
baseline
▲ 0.50% · 4.625%
HK$34,854
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,218/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,303
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,433
−HK$1,147/mo
Today · 4.125%
HK$38,580
baseline
▲ 0.50% · 4.625%
HK$40,927
+HK$2,347/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,160/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,387
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,470
−HK$1,099/mo
Today · 4.125%
HK$42,569
baseline
▲ 0.50% · 4.625%
HK$44,813
+HK$2,244/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,138/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,346 · Scale 2, in force from 26 Feb 2026)