LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,425
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,998
−HK$582/mo
Today · 4.125%
HK$19,580
baseline
▲ 0.50% · 4.625%
HK$20,771
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,160/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,497
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,047
−HK$558/mo
Today · 4.125%
HK$21,605
baseline
▲ 0.50% · 4.625%
HK$22,743
+HK$1,138/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,210/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,110
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,797
−HK$699/mo
Today · 4.125%
HK$23,496
baseline
▲ 0.50% · 4.625%
HK$24,926
+HK$1,430/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,992/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,597
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,256
−HK$669/mo
Today · 4.125%
HK$25,925
baseline
▲ 0.50% · 4.625%
HK$27,292
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,850/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,794
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,597
−HK$815/mo
Today · 4.125%
HK$27,412
baseline
▲ 0.50% · 4.625%
HK$29,080
+HK$1,668/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,824/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,696
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,466
−HK$780/mo
Today · 4.125%
HK$30,246
baseline
▲ 0.50% · 4.625%
HK$31,841
+HK$1,595/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,492/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,164
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,196
−HK$1,048/mo
Today · 4.125%
HK$35,244
baseline
▲ 0.50% · 4.625%
HK$37,388
+HK$2,144/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,488/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,895
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,884
−HK$1,004/mo
Today · 4.125%
HK$38,888
baseline
▲ 0.50% · 4.625%
HK$40,938
+HK$2,050/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,776/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,402 · Scale 2, in force from 26 Feb 2026)