LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,313
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,883
−HK$579/mo
Today · 4.125%
HK$19,462
baseline
▲ 0.50% · 4.625%
HK$20,646
+HK$1,184/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,924/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,373
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,920
−HK$554/mo
Today · 4.125%
HK$21,474
baseline
▲ 0.50% · 4.625%
HK$22,606
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,948/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,976
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,660
−HK$694/mo
Today · 4.125%
HK$23,354
baseline
▲ 0.50% · 4.625%
HK$24,775
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,708/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,448
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,104
−HK$665/mo
Today · 4.125%
HK$25,769
baseline
▲ 0.50% · 4.625%
HK$27,127
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,538/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,639
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$26,436
−HK$810/mo
Today · 4.125%
HK$27,246
baseline
▲ 0.50% · 4.625%
HK$28,904
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,492/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,523
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,288
−HK$776/mo
Today · 4.125%
HK$30,064
baseline
▲ 0.50% · 4.625%
HK$31,648
+HK$1,584/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,128/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,964
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,989
−HK$1,042/mo
Today · 4.125%
HK$35,031
baseline
▲ 0.50% · 4.625%
HK$37,163
+HK$2,132/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,062/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,672
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,656
−HK$997/mo
Today · 4.125%
HK$38,653
baseline
▲ 0.50% · 4.625%
HK$40,691
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,306/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,938 · Scale 2, in force from 26 Feb 2026)