LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,310
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$579/mo
Today · 4.125%
HK$19,459
baseline
▲ 0.50% · 4.625%
HK$20,643
+HK$1,184/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,918/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,370
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,917
−HK$554/mo
Today · 4.125%
HK$21,471
baseline
▲ 0.50% · 4.625%
HK$22,603
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,942/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,973
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,656
−HK$694/mo
Today · 4.125%
HK$23,350
baseline
▲ 0.50% · 4.625%
HK$24,771
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,700/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,444
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,100
−HK$665/mo
Today · 4.125%
HK$25,765
baseline
▲ 0.50% · 4.625%
HK$27,123
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,530/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,635
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,432
−HK$810/mo
Today · 4.125%
HK$27,242
baseline
▲ 0.50% · 4.625%
HK$28,900
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,484/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,518
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,283
−HK$776/mo
Today · 4.125%
HK$30,059
baseline
▲ 0.50% · 4.625%
HK$31,644
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,118/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,959
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,984
−HK$1,042/mo
Today · 4.125%
HK$35,026
baseline
▲ 0.50% · 4.625%
HK$37,157
+HK$2,131/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,052/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,666
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,650
−HK$997/mo
Today · 4.125%
HK$38,647
baseline
▲ 0.50% · 4.625%
HK$40,685
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,294/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,901 · Scale 2, in force from 26 Feb 2026)