LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,192
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,820
−HK$639/mo
Today · 4.125%
HK$21,459
baseline
▲ 0.50% · 4.625%
HK$22,764
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,918/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,464
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,066
−HK$611/mo
Today · 4.125%
HK$23,677
baseline
▲ 0.50% · 4.625%
HK$24,926
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,354/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,231
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,985
−HK$765/mo
Today · 4.125%
HK$25,750
baseline
▲ 0.50% · 4.625%
HK$27,317
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,500/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,957
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,680
−HK$733/mo
Today · 4.125%
HK$28,413
baseline
▲ 0.50% · 4.625%
HK$29,911
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,826/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,269
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,149
−HK$893/mo
Today · 4.125%
HK$30,042
baseline
▲ 0.50% · 4.625%
HK$31,870
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,084/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,449
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,293
−HK$855/mo
Today · 4.125%
HK$33,148
baseline
▲ 0.50% · 4.625%
HK$34,896
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,296/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,346
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,477
−HK$1,149/mo
Today · 4.125%
HK$38,626
baseline
▲ 0.50% · 4.625%
HK$40,976
+HK$2,350/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,252/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,435
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,519
−HK$1,100/mo
Today · 4.125%
HK$42,619
baseline
▲ 0.50% · 4.625%
HK$44,866
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,238/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,660 · Scale 2, in force from 26 Feb 2026)