LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,286
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,855
−HK$578/mo
Today · 4.125%
HK$19,433
baseline
▲ 0.50% · 4.625%
HK$20,616
+HK$1,183/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,866/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,344
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,889
−HK$554/mo
Today · 4.125%
HK$21,443
baseline
▲ 0.50% · 4.625%
HK$22,573
+HK$1,130/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,886/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,944
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,626
−HK$694/mo
Today · 4.125%
HK$23,320
baseline
▲ 0.50% · 4.625%
HK$24,739
+HK$1,419/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$46,640/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,412
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,067
−HK$664/mo
Today · 4.125%
HK$25,731
baseline
▲ 0.50% · 4.625%
HK$27,087
+HK$1,356/mo
Deposit HK$3.21M · loan HK$4.81M · min. income ≈ HK$51,462/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,601
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,397
−HK$809/mo
Today · 4.125%
HK$27,206
baseline
▲ 0.50% · 4.625%
HK$28,862
+HK$1,656/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$54,412/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,481
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,245
−HK$775/mo
Today · 4.125%
HK$30,020
baseline
▲ 0.50% · 4.625%
HK$31,602
+HK$1,582/mo
Deposit HK$2.41M · loan HK$5.61M · min. income ≈ HK$60,040/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,916
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,940
−HK$1,040/mo
Today · 4.125%
HK$34,980
baseline
▲ 0.50% · 4.625%
HK$37,108
+HK$2,128/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$69,960/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,618
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,600
−HK$997/mo
Today · 4.125%
HK$38,597
baseline
▲ 0.50% · 4.625%
HK$40,631
+HK$2,034/mo
Deposit HK$802K · loan HK$7.22M · min. income ≈ HK$77,194/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,585 · Scale 2, in force from 26 Feb 2026)