LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,173
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,800
−HK$638/mo
Today · 4.125%
HK$21,438
baseline
▲ 0.50% · 4.625%
HK$22,742
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,876/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,044
−HK$611/mo
Today · 4.125%
HK$23,655
baseline
▲ 0.50% · 4.625%
HK$24,901
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,310/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,207
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,960
−HK$765/mo
Today · 4.125%
HK$25,725
baseline
▲ 0.50% · 4.625%
HK$27,291
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,450/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,931
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,653
−HK$733/mo
Today · 4.125%
HK$28,386
baseline
▲ 0.50% · 4.625%
HK$29,882
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,772/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,242
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,120
−HK$893/mo
Today · 4.125%
HK$30,013
baseline
▲ 0.50% · 4.625%
HK$31,839
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,026/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,419
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,262
−HK$854/mo
Today · 4.125%
HK$33,116
baseline
▲ 0.50% · 4.625%
HK$34,862
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,232/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,311
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,441
−HK$1,147/mo
Today · 4.125%
HK$38,588
baseline
▲ 0.50% · 4.625%
HK$40,936
+HK$2,348/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,176/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,396
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,479
−HK$1,099/mo
Today · 4.125%
HK$42,578
baseline
▲ 0.50% · 4.625%
HK$44,823
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,156/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,403 · Scale 2, in force from 26 Feb 2026)