LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,345
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,916
−HK$579/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,682
+HK$1,187/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,409
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,956
−HK$555/mo
Today · 4.125%
HK$21,511
baseline
▲ 0.50% · 4.625%
HK$22,645
+HK$1,134/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$43,022/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,014
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,699
−HK$696/mo
Today · 4.125%
HK$23,395
baseline
▲ 0.50% · 4.625%
HK$24,818
+HK$1,423/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$46,790/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,490
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,147
−HK$667/mo
Today · 4.125%
HK$25,814
baseline
▲ 0.50% · 4.625%
HK$27,174
+HK$1,360/mo
Deposit HK$3.22M · loan HK$4.83M · min. income ≈ HK$51,628/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$241,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,683
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,482
−HK$812/mo
Today · 4.125%
HK$27,294
baseline
▲ 0.50% · 4.625%
HK$28,954
+HK$1,660/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$54,588/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,572
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,339
−HK$777/mo
Today · 4.125%
HK$30,116
baseline
▲ 0.50% · 4.625%
HK$31,703
+HK$1,587/mo
Deposit HK$2.41M · loan HK$5.63M · min. income ≈ HK$60,232/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,021
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,048
−HK$1,044/mo
Today · 4.125%
HK$35,092
baseline
▲ 0.50% · 4.625%
HK$37,227
+HK$2,135/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$70,184/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,736
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,721
−HK$999/mo
Today · 4.125%
HK$38,720
baseline
▲ 0.50% · 4.625%
HK$40,761
+HK$2,041/mo
Deposit HK$805K · loan HK$7.24M · min. income ≈ HK$77,440/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$241,356 · Scale 2, in force from 26 Feb 2026)