LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,308
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,877
−HK$579/mo
Today · 4.125%
HK$19,456
baseline
▲ 0.50% · 4.625%
HK$20,640
+HK$1,184/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,912/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,863 · 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$240,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,969
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,653
−HK$694/mo
Today · 4.125%
HK$23,347
baseline
▲ 0.50% · 4.625%
HK$24,767
+HK$1,420/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,694/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,440
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,096
−HK$665/mo
Today · 4.125%
HK$25,761
baseline
▲ 0.50% · 4.625%
HK$27,119
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,522/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,631
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,428
−HK$810/mo
Today · 4.125%
HK$27,238
baseline
▲ 0.50% · 4.625%
HK$28,895
+HK$1,657/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,476/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,514
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$29,279
−HK$775/mo
Today · 4.125%
HK$30,054
baseline
▲ 0.50% · 4.625%
HK$31,639
+HK$1,585/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$240,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,954
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,979
−HK$1,041/mo
Today · 4.125%
HK$35,020
baseline
▲ 0.50% · 4.625%
HK$37,151
+HK$2,131/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$240,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,661
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,644
−HK$997/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$240,863 · Scale 2, in force from 26 Feb 2026)