LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,190
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,818
−HK$638/mo
Today · 4.125%
HK$21,456
baseline
▲ 0.50% · 4.625%
HK$22,761
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,912/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,461
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,063
−HK$611/mo
Today · 4.125%
HK$23,674
baseline
▲ 0.50% · 4.625%
HK$24,922
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,348/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,228
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$766/mo
Today · 4.125%
HK$25,747
baseline
▲ 0.50% · 4.625%
HK$27,314
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,494/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,953
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$733/mo
Today · 4.125%
HK$28,409
baseline
▲ 0.50% · 4.625%
HK$29,907
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,818/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,266
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,145
−HK$893/mo
Today · 4.125%
HK$30,038
baseline
▲ 0.50% · 4.625%
HK$31,866
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,076/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,445
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,289
−HK$855/mo
Today · 4.125%
HK$33,144
baseline
▲ 0.50% · 4.625%
HK$34,891
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,288/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,342
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,472
−HK$1,149/mo
Today · 4.125%
HK$38,621
baseline
▲ 0.50% · 4.625%
HK$40,971
+HK$2,350/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,242/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,430
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,514
−HK$1,100/mo
Today · 4.125%
HK$42,614
baseline
▲ 0.50% · 4.625%
HK$44,860
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,228/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,626 · Scale 2, in force from 26 Feb 2026)