LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,406
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,978
−HK$582/mo
Today · 4.125%
HK$19,560
baseline
▲ 0.50% · 4.625%
HK$20,750
+HK$1,190/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,120/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,476
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,026
−HK$557/mo
Today · 4.125%
HK$21,583
baseline
▲ 0.50% · 4.625%
HK$22,720
+HK$1,137/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,166/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,087
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,774
−HK$698/mo
Today · 4.125%
HK$23,472
baseline
▲ 0.50% · 4.625%
HK$24,900
+HK$1,428/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$46,944/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,572
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,231
−HK$668/mo
Today · 4.125%
HK$25,899
baseline
▲ 0.50% · 4.625%
HK$27,264
+HK$1,365/mo
Deposit HK$3.23M · loan HK$4.84M · min. income ≈ HK$51,798/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,768
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,570
−HK$814/mo
Today · 4.125%
HK$27,384
baseline
▲ 0.50% · 4.625%
HK$29,050
+HK$1,666/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$54,768/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,667
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,436
−HK$780/mo
Today · 4.125%
HK$30,216
baseline
▲ 0.50% · 4.625%
HK$31,808
+HK$1,592/mo
Deposit HK$2.42M · loan HK$5.65M · min. income ≈ HK$60,432/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$242,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,131
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,161
−HK$1,047/mo
Today · 4.125%
HK$35,208
baseline
▲ 0.50% · 4.625%
HK$37,350
+HK$2,142/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$70,416/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,857
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,846
−HK$1,003/mo
Today · 4.125%
HK$38,849
baseline
▲ 0.50% · 4.625%
HK$40,896
+HK$2,047/mo
Deposit HK$807K · loan HK$7.26M · min. income ≈ HK$77,698/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,156 · Scale 2, in force from 26 Feb 2026)