LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,274
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,843
−HK$577/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,602
+HK$1,182/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,840/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,330
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,875
−HK$553/mo
Today · 4.125%
HK$21,428
baseline
▲ 0.50% · 4.625%
HK$22,558
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,856/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,929
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,611
−HK$693/mo
Today · 4.125%
HK$23,304
baseline
▲ 0.50% · 4.625%
HK$24,722
+HK$1,418/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,608/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,396
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,050
−HK$664/mo
Today · 4.125%
HK$25,714
baseline
▲ 0.50% · 4.625%
HK$27,070
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,428/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,584
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,380
−HK$808/mo
Today · 4.125%
HK$27,188
baseline
▲ 0.50% · 4.625%
HK$28,843
+HK$1,655/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,376/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,462
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,225
−HK$775/mo
Today · 4.125%
HK$30,000
baseline
▲ 0.50% · 4.625%
HK$31,581
+HK$1,581/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$60,000/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,894
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,917
−HK$1,040/mo
Today · 4.125%
HK$34,957
baseline
▲ 0.50% · 4.625%
HK$37,084
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,914/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,594
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,575
−HK$996/mo
Today · 4.125%
HK$38,571
baseline
▲ 0.50% · 4.625%
HK$40,604
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,142/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,425 · Scale 2, in force from 26 Feb 2026)