LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,218
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,847
−HK$639/mo
Today · 4.125%
HK$21,486
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,308/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,972/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,493
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,096
−HK$612/mo
Today · 4.125%
HK$23,708
baseline
▲ 0.50% · 4.625%
HK$24,958
+HK$1,250/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,416/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,262
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,017
−HK$766/mo
Today · 4.125%
HK$25,783
baseline
▲ 0.50% · 4.625%
HK$27,352
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,566/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,991
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,715
−HK$734/mo
Today · 4.125%
HK$28,449
baseline
▲ 0.50% · 4.625%
HK$29,949
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,898/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,306
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,186
−HK$895/mo
Today · 4.125%
HK$30,081
baseline
▲ 0.50% · 4.625%
HK$31,911
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,162/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,490
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,334
−HK$857/mo
Today · 4.125%
HK$33,191
baseline
▲ 0.50% · 4.625%
HK$34,941
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,382/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,393
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,525
−HK$1,150/mo
Today · 4.125%
HK$38,675
baseline
▲ 0.50% · 4.625%
HK$41,028
+HK$2,353/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,350/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,487
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,573
−HK$1,101/mo
Today · 4.125%
HK$42,674
baseline
▲ 0.50% · 4.625%
HK$44,924
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,348/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,001 · Scale 2, in force from 26 Feb 2026)