LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,457
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,031
−HK$583/mo
Today · 4.125%
HK$19,614
baseline
▲ 0.50% · 4.625%
HK$20,808
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,228/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,533
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,084
−HK$558/mo
Today · 4.125%
HK$21,642
baseline
▲ 0.50% · 4.625%
HK$22,783
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,284/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,148
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,837
−HK$700/mo
Today · 4.125%
HK$23,537
baseline
▲ 0.50% · 4.625%
HK$24,969
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,074/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,639
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,300
−HK$671/mo
Today · 4.125%
HK$25,971
baseline
▲ 0.50% · 4.625%
HK$27,340
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,942/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,839
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,643
−HK$817/mo
Today · 4.125%
HK$27,460
baseline
▲ 0.50% · 4.625%
HK$29,131
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,920/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,746
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,517
−HK$782/mo
Today · 4.125%
HK$30,299
baseline
▲ 0.50% · 4.625%
HK$31,896
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,598/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,222
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,255
−HK$1,050/mo
Today · 4.125%
HK$35,305
baseline
▲ 0.50% · 4.625%
HK$37,454
+HK$2,149/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,610/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,959
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,950
−HK$1,006/mo
Today · 4.125%
HK$38,956
baseline
▲ 0.50% · 4.625%
HK$41,009
+HK$2,053/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,912/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,824 · Scale 2, in force from 26 Feb 2026)