LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,307
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,877
−HK$578/mo
Today · 4.125%
HK$19,455
baseline
▲ 0.50% · 4.625%
HK$20,639
+HK$1,184/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,910/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,367
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,913
−HK$554/mo
Today · 4.125%
HK$21,467
baseline
▲ 0.50% · 4.625%
HK$22,599
+HK$1,132/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,934/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,969
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,652
−HK$694/mo
Today · 4.125%
HK$23,346
baseline
▲ 0.50% · 4.625%
HK$24,767
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,692/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,440
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,096
−HK$664/mo
Today · 4.125%
HK$25,760
baseline
▲ 0.50% · 4.625%
HK$27,118
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,520/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,630
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$810/mo
Today · 4.125%
HK$27,237
baseline
▲ 0.50% · 4.625%
HK$28,895
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,474/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,513
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,278
−HK$776/mo
Today · 4.125%
HK$30,054
baseline
▲ 0.50% · 4.625%
HK$31,638
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,108/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,953
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,978
−HK$1,042/mo
Today · 4.125%
HK$35,020
baseline
▲ 0.50% · 4.625%
HK$37,150
+HK$2,130/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,040/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,660
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,643
−HK$998/mo
Today · 4.125%
HK$38,641
baseline
▲ 0.50% · 4.625%
HK$40,678
+HK$2,037/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,282/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,859 · Scale 2, in force from 26 Feb 2026)