LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,370
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,004
−HK$644/mo
Today · 4.125%
HK$21,648
baseline
▲ 0.50% · 4.625%
HK$22,965
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,296/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$268,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,662
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,270
−HK$616/mo
Today · 4.125%
HK$23,886
baseline
▲ 0.50% · 4.625%
HK$25,145
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,772/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$268,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,444
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,205
−HK$772/mo
Today · 4.125%
HK$25,977
baseline
▲ 0.50% · 4.625%
HK$27,558
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,954/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,194
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,923
−HK$740/mo
Today · 4.125%
HK$28,663
baseline
▲ 0.50% · 4.625%
HK$30,174
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,326/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,518
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,405
−HK$902/mo
Today · 4.125%
HK$30,307
baseline
▲ 0.50% · 4.625%
HK$32,151
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,614/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,726
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,577
−HK$863/mo
Today · 4.125%
HK$33,440
baseline
▲ 0.50% · 4.625%
HK$35,203
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,880/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,666
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,807
−HK$1,159/mo
Today · 4.125%
HK$38,966
baseline
▲ 0.50% · 4.625%
HK$41,337
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,932/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,791
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,885
−HK$1,110/mo
Today · 4.125%
HK$42,995
baseline
▲ 0.50% · 4.625%
HK$45,261
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,990/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,000 · Scale 2, in force from 26 Feb 2026)