LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,400
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,034
−HK$645/mo
Today · 4.125%
HK$21,679
baseline
▲ 0.50% · 4.625%
HK$22,998
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,358/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,694
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,303
−HK$618/mo
Today · 4.125%
HK$23,921
baseline
▲ 0.50% · 4.625%
HK$25,181
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,842/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,480
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,241
−HK$774/mo
Today · 4.125%
HK$26,015
baseline
▲ 0.50% · 4.625%
HK$27,598
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,030/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,233
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,964
−HK$741/mo
Today · 4.125%
HK$28,705
baseline
▲ 0.50% · 4.625%
HK$30,218
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,410/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,560
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,448
−HK$902/mo
Today · 4.125%
HK$30,350
baseline
▲ 0.50% · 4.625%
HK$32,197
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,700/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,772
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,624
−HK$865/mo
Today · 4.125%
HK$33,489
baseline
▲ 0.50% · 4.625%
HK$35,254
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,978/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,719
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,862
−HK$1,160/mo
Today · 4.125%
HK$39,022
baseline
▲ 0.50% · 4.625%
HK$41,396
+HK$2,374/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,044/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,850
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,946
−HK$1,111/mo
Today · 4.125%
HK$43,057
baseline
▲ 0.50% · 4.625%
HK$45,327
+HK$2,270/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,114/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,387 · Scale 2, in force from 26 Feb 2026)