LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,450
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,023
−HK$583/mo
Today · 4.125%
HK$19,606
baseline
▲ 0.50% · 4.625%
HK$20,799
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,212/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,525
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,075
−HK$559/mo
Today · 4.125%
HK$21,634
baseline
▲ 0.50% · 4.625%
HK$22,774
+HK$1,140/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,268/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,139
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,828
−HK$700/mo
Today · 4.125%
HK$23,528
baseline
▲ 0.50% · 4.625%
HK$24,959
+HK$1,431/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$47,056/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,630
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,290
−HK$671/mo
Today · 4.125%
HK$25,961
baseline
▲ 0.50% · 4.625%
HK$27,329
+HK$1,368/mo
Deposit HK$3.24M · loan HK$4.85M · min. income ≈ HK$51,922/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,829
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,633
−HK$816/mo
Today · 4.125%
HK$27,449
baseline
▲ 0.50% · 4.625%
HK$29,119
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,898/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,735
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,505
−HK$782/mo
Today · 4.125%
HK$30,287
baseline
▲ 0.50% · 4.625%
HK$31,884
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,574/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,209
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,242
−HK$1,050/mo
Today · 4.125%
HK$35,292
baseline
▲ 0.50% · 4.625%
HK$37,439
+HK$2,147/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,584/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,945
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,936
−HK$1,005/mo
Today · 4.125%
HK$38,941
baseline
▲ 0.50% · 4.625%
HK$40,993
+HK$2,052/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,882/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,730 · Scale 2, in force from 26 Feb 2026)