LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,227
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,856
−HK$639/mo
Today · 4.125%
HK$21,495
baseline
▲ 0.50% · 4.625%
HK$22,803
+HK$1,308/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$42,990/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,502
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,106
−HK$612/mo
Today · 4.125%
HK$23,718
baseline
▲ 0.50% · 4.625%
HK$24,968
+HK$1,250/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,436/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,272
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,027
−HK$767/mo
Today · 4.125%
HK$25,794
baseline
▲ 0.50% · 4.625%
HK$27,364
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,588/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,002
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,727
−HK$734/mo
Today · 4.125%
HK$28,461
baseline
▲ 0.50% · 4.625%
HK$29,962
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,922/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,317
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,198
−HK$895/mo
Today · 4.125%
HK$30,093
baseline
▲ 0.50% · 4.625%
HK$31,924
+HK$1,831/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,186/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,503
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,348
−HK$857/mo
Today · 4.125%
HK$33,205
baseline
▲ 0.50% · 4.625%
HK$34,955
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,410/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,408
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,541
−HK$1,150/mo
Today · 4.125%
HK$38,691
baseline
▲ 0.50% · 4.625%
HK$41,046
+HK$2,355/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,382/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,504
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,590
−HK$1,102/mo
Today · 4.125%
HK$42,692
baseline
▲ 0.50% · 4.625%
HK$44,942
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,384/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,112 · Scale 2, in force from 26 Feb 2026)