LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,440
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,013
−HK$583/mo
Today · 4.125%
HK$19,596
baseline
▲ 0.50% · 4.625%
HK$20,788
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,192/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,514
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,064
−HK$558/mo
Today · 4.125%
HK$21,622
baseline
▲ 0.50% · 4.625%
HK$22,762
+HK$1,140/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,244/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,128
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,816
−HK$699/mo
Today · 4.125%
HK$23,515
baseline
▲ 0.50% · 4.625%
HK$24,946
+HK$1,431/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,030/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,617
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,277
−HK$670/mo
Today · 4.125%
HK$25,947
baseline
▲ 0.50% · 4.625%
HK$27,314
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,894/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,816
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,619
−HK$815/mo
Today · 4.125%
HK$27,434
baseline
▲ 0.50% · 4.625%
HK$29,104
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,868/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,720
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,490
−HK$781/mo
Today · 4.125%
HK$30,271
baseline
▲ 0.50% · 4.625%
HK$31,867
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,542/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,191
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,224
−HK$1,049/mo
Today · 4.125%
HK$35,273
baseline
▲ 0.50% · 4.625%
HK$37,419
+HK$2,146/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,546/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,925
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,916
−HK$1,004/mo
Today · 4.125%
HK$38,920
baseline
▲ 0.50% · 4.625%
HK$40,972
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,840/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,601 · Scale 2, in force from 26 Feb 2026)