LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,183
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,811
−HK$637/mo
Today · 4.125%
HK$21,448
baseline
▲ 0.50% · 4.625%
HK$22,754
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,896/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,453
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,055
−HK$611/mo
Today · 4.125%
HK$23,666
baseline
▲ 0.50% · 4.625%
HK$24,914
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,332/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,219
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,973
−HK$765/mo
Today · 4.125%
HK$25,738
baseline
▲ 0.50% · 4.625%
HK$27,304
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,476/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,944
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,666
−HK$734/mo
Today · 4.125%
HK$28,400
baseline
▲ 0.50% · 4.625%
HK$29,897
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,800/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,256
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,135
−HK$893/mo
Today · 4.125%
HK$30,028
baseline
▲ 0.50% · 4.625%
HK$31,855
+HK$1,827/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,056/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,434
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,278
−HK$855/mo
Today · 4.125%
HK$33,133
baseline
▲ 0.50% · 4.625%
HK$34,879
+HK$1,746/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,266/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,329
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,459
−HK$1,148/mo
Today · 4.125%
HK$38,607
baseline
▲ 0.50% · 4.625%
HK$40,956
+HK$2,349/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,214/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,416
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,500
−HK$1,099/mo
Today · 4.125%
HK$42,599
baseline
▲ 0.50% · 4.625%
HK$44,845
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,198/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,534 · Scale 2, in force from 26 Feb 2026)