LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,408
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,043
−HK$645/mo
Today · 4.125%
HK$21,688
baseline
▲ 0.50% · 4.625%
HK$23,007
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,376/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,703
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,312
−HK$618/mo
Today · 4.125%
HK$23,930
baseline
▲ 0.50% · 4.625%
HK$25,191
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,860/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,489
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,251
−HK$774/mo
Today · 4.125%
HK$26,025
baseline
▲ 0.50% · 4.625%
HK$27,609
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,050/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,244
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,975
−HK$741/mo
Today · 4.125%
HK$28,716
baseline
▲ 0.50% · 4.625%
HK$30,230
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,432/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,571
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,460
−HK$903/mo
Today · 4.125%
HK$30,363
baseline
▲ 0.50% · 4.625%
HK$32,210
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,726/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,785
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,637
−HK$865/mo
Today · 4.125%
HK$33,502
baseline
▲ 0.50% · 4.625%
HK$35,268
+HK$1,766/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$67,004/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,734
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,877
−HK$1,161/mo
Today · 4.125%
HK$39,038
baseline
▲ 0.50% · 4.625%
HK$41,413
+HK$2,375/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,076/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,866
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,962
−HK$1,112/mo
Today · 4.125%
HK$43,074
baseline
▲ 0.50% · 4.625%
HK$45,345
+HK$2,271/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,148/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,494 · Scale 2, in force from 26 Feb 2026)