LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,185
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,812
−HK$638/mo
Today · 4.125%
HK$21,450
baseline
▲ 0.50% · 4.625%
HK$22,756
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,900/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,455
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,057
−HK$611/mo
Today · 4.125%
HK$23,668
baseline
▲ 0.50% · 4.625%
HK$24,916
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,336/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,221
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,975
−HK$765/mo
Today · 4.125%
HK$25,740
baseline
▲ 0.50% · 4.625%
HK$27,307
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,480/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,946
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,669
−HK$733/mo
Today · 4.125%
HK$28,402
baseline
▲ 0.50% · 4.625%
HK$29,899
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,804/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,258
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,137
−HK$893/mo
Today · 4.125%
HK$30,030
baseline
▲ 0.50% · 4.625%
HK$31,858
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,060/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,437
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,280
−HK$856/mo
Today · 4.125%
HK$33,136
baseline
▲ 0.50% · 4.625%
HK$34,882
+HK$1,746/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,272/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,332
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,462
−HK$1,149/mo
Today · 4.125%
HK$38,611
baseline
▲ 0.50% · 4.625%
HK$40,960
+HK$2,349/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,222/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,419
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,503
−HK$1,100/mo
Today · 4.125%
HK$42,603
baseline
▲ 0.50% · 4.625%
HK$44,849
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,206/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,557 · Scale 2, in force from 26 Feb 2026)