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$22,762
+HK$1,306/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$265,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,461
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,064
−HK$611/mo
Today · 4.125%
HK$23,675
baseline
▲ 0.50% · 4.625%
HK$24,923
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,350/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,228
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,982
−HK$765/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$265,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,953
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$734/mo
Today · 4.125%
HK$28,410
baseline
▲ 0.50% · 4.625%
HK$29,907
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,820/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,266
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,145
−HK$894/mo
Today · 4.125%
HK$30,039
baseline
▲ 0.50% · 4.625%
HK$31,866
+HK$1,827/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,078/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,446
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,289
−HK$856/mo
Today · 4.125%
HK$33,145
baseline
▲ 0.50% · 4.625%
HK$34,892
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,290/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,628 · 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$265,628 · 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$44,861
+HK$2,247/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$265,628 · Scale 2, in force from 26 Feb 2026)