LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,200
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,828
−HK$638/mo
Today · 4.125%
HK$21,466
baseline
▲ 0.50% · 4.625%
HK$22,772
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,932/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,472
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,075
−HK$611/mo
Today · 4.125%
HK$23,686
baseline
▲ 0.50% · 4.625%
HK$24,934
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,372/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,239
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$24,993
−HK$767/mo
Today · 4.125%
HK$25,760
baseline
▲ 0.50% · 4.625%
HK$27,327
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,520/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,966
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,689
−HK$734/mo
Today · 4.125%
HK$28,423
baseline
▲ 0.50% · 4.625%
HK$29,921
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,846/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,279
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,159
−HK$894/mo
Today · 4.125%
HK$30,053
baseline
▲ 0.50% · 4.625%
HK$31,881
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,106/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,461
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,304
−HK$856/mo
Today · 4.125%
HK$33,160
baseline
▲ 0.50% · 4.625%
HK$34,908
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,320/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,359
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,490
−HK$1,149/mo
Today · 4.125%
HK$38,639
baseline
▲ 0.50% · 4.625%
HK$40,990
+HK$2,351/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,278/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,449
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,534
−HK$1,101/mo
Today · 4.125%
HK$42,635
baseline
▲ 0.50% · 4.625%
HK$44,882
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,270/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,754 · Scale 2, in force from 26 Feb 2026)