LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,316
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,886
−HK$579/mo
Today · 4.125%
HK$19,465
baseline
▲ 0.50% · 4.625%
HK$20,649
+HK$1,184/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,930/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,377
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,923
−HK$554/mo
Today · 4.125%
HK$21,477
baseline
▲ 0.50% · 4.625%
HK$22,610
+HK$1,133/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,954/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$240,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,979
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,663
−HK$695/mo
Today · 4.125%
HK$23,358
baseline
▲ 0.50% · 4.625%
HK$24,779
+HK$1,421/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,716/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,452
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,108
−HK$665/mo
Today · 4.125%
HK$25,773
baseline
▲ 0.50% · 4.625%
HK$27,131
+HK$1,358/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,546/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$240,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,643
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,440
−HK$811/mo
Today · 4.125%
HK$27,251
baseline
▲ 0.50% · 4.625%
HK$28,909
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,502/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,527
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,292
−HK$776/mo
Today · 4.125%
HK$30,068
baseline
▲ 0.50% · 4.625%
HK$31,653
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,136/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$240,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,969
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,995
−HK$1,042/mo
Today · 4.125%
HK$35,037
baseline
▲ 0.50% · 4.625%
HK$37,168
+HK$2,131/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,074/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,678
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,661
−HK$998/mo
Today · 4.125%
HK$38,659
baseline
▲ 0.50% · 4.625%
HK$40,697
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,318/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,975 · Scale 2, in force from 26 Feb 2026)