LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,174
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,802
−HK$638/mo
Today · 4.125%
HK$21,440
baseline
▲ 0.50% · 4.625%
HK$22,744
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,880/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,444
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,046
−HK$610/mo
Today · 4.125%
HK$23,656
baseline
▲ 0.50% · 4.625%
HK$24,903
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,312/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,209
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,962
−HK$766/mo
Today · 4.125%
HK$25,728
baseline
▲ 0.50% · 4.625%
HK$27,293
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,456/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,933
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,655
−HK$733/mo
Today · 4.125%
HK$28,388
baseline
▲ 0.50% · 4.625%
HK$29,884
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,776/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,244
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,123
−HK$892/mo
Today · 4.125%
HK$30,015
baseline
▲ 0.50% · 4.625%
HK$31,842
+HK$1,827/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,030/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,421
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,264
−HK$855/mo
Today · 4.125%
HK$33,119
baseline
▲ 0.50% · 4.625%
HK$34,865
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,238/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,314
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,444
−HK$1,147/mo
Today · 4.125%
HK$38,591
baseline
▲ 0.50% · 4.625%
HK$40,939
+HK$2,348/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,182/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,399
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,482
−HK$1,100/mo
Today · 4.125%
HK$42,582
baseline
▲ 0.50% · 4.625%
HK$44,826
+HK$2,244/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,164/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,424 · Scale 2, in force from 26 Feb 2026)