LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,196
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,824
−HK$639/mo
Today · 4.125%
HK$21,463
baseline
▲ 0.50% · 4.625%
HK$22,769
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,926/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,468
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,071
−HK$611/mo
Today · 4.125%
HK$23,682
baseline
▲ 0.50% · 4.625%
HK$24,930
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,364/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,235
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,989
−HK$766/mo
Today · 4.125%
HK$25,755
baseline
▲ 0.50% · 4.625%
HK$27,322
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,510/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,962
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,685
−HK$733/mo
Today · 4.125%
HK$28,418
baseline
▲ 0.50% · 4.625%
HK$29,916
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,836/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,275
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,154
−HK$894/mo
Today · 4.125%
HK$30,048
baseline
▲ 0.50% · 4.625%
HK$31,876
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,096/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,455
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,299
−HK$856/mo
Today · 4.125%
HK$33,155
baseline
▲ 0.50% · 4.625%
HK$34,902
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,310/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,353
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,484
−HK$1,149/mo
Today · 4.125%
HK$38,633
baseline
▲ 0.50% · 4.625%
HK$40,984
+HK$2,351/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,266/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,443
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,527
−HK$1,100/mo
Today · 4.125%
HK$42,627
baseline
▲ 0.50% · 4.625%
HK$44,874
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,254/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,710 · Scale 2, in force from 26 Feb 2026)