LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,390
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,025
−HK$644/mo
Today · 4.125%
HK$21,669
baseline
▲ 0.50% · 4.625%
HK$22,988
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,338/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,684
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,292
−HK$618/mo
Today · 4.125%
HK$23,910
baseline
▲ 0.50% · 4.625%
HK$25,170
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,820/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,468
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$773/mo
Today · 4.125%
HK$26,003
baseline
▲ 0.50% · 4.625%
HK$27,585
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,006/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,221
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,951
−HK$741/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,384/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,547
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,434
−HK$903/mo
Today · 4.125%
HK$30,337
baseline
▲ 0.50% · 4.625%
HK$32,183
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,674/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,758
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,609
−HK$864/mo
Today · 4.125%
HK$33,473
baseline
▲ 0.50% · 4.625%
HK$35,238
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,946/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,703
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,844
−HK$1,160/mo
Today · 4.125%
HK$39,004
baseline
▲ 0.50% · 4.625%
HK$41,378
+HK$2,374/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,008/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,831
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,926
−HK$1,111/mo
Today · 4.125%
HK$43,037
baseline
▲ 0.50% · 4.625%
HK$45,306
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,074/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,265 · Scale 2, in force from 26 Feb 2026)