LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,454
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,028
−HK$583/mo
Today · 4.125%
HK$19,611
baseline
▲ 0.50% · 4.625%
HK$20,805
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,222/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,530
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,081
−HK$558/mo
Today · 4.125%
HK$21,639
baseline
▲ 0.50% · 4.625%
HK$22,780
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,278/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,145
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,834
−HK$699/mo
Today · 4.125%
HK$23,533
baseline
▲ 0.50% · 4.625%
HK$24,965
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,066/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,636
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,297
−HK$670/mo
Today · 4.125%
HK$25,967
baseline
▲ 0.50% · 4.625%
HK$27,336
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,934/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,836
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$817/mo
Today · 4.125%
HK$27,456
baseline
▲ 0.50% · 4.625%
HK$29,126
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,912/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,742
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,513
−HK$782/mo
Today · 4.125%
HK$30,295
baseline
▲ 0.50% · 4.625%
HK$31,892
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,590/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,217
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,250
−HK$1,050/mo
Today · 4.125%
HK$35,300
baseline
▲ 0.50% · 4.625%
HK$37,448
+HK$2,148/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,600/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,954
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,945
−HK$1,005/mo
Today · 4.125%
HK$38,950
baseline
▲ 0.50% · 4.625%
HK$41,003
+HK$2,053/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,900/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,789 · Scale 2, in force from 26 Feb 2026)