LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,458
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,032
−HK$583/mo
Today · 4.125%
HK$19,615
baseline
▲ 0.50% · 4.625%
HK$20,808
+HK$1,193/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,230/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,534
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$21,085
−HK$558/mo
Today · 4.125%
HK$21,643
baseline
▲ 0.50% · 4.625%
HK$22,784
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,286/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,149
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,838
−HK$700/mo
Today · 4.125%
HK$23,538
baseline
▲ 0.50% · 4.625%
HK$24,970
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,076/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,641
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,301
−HK$671/mo
Today · 4.125%
HK$25,972
baseline
▲ 0.50% · 4.625%
HK$27,341
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,944/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,841
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,644
−HK$817/mo
Today · 4.125%
HK$27,461
baseline
▲ 0.50% · 4.625%
HK$29,132
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,922/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,747
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,518
−HK$782/mo
Today · 4.125%
HK$30,300
baseline
▲ 0.50% · 4.625%
HK$31,898
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,600/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,224
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,257
−HK$1,050/mo
Today · 4.125%
HK$35,307
baseline
▲ 0.50% · 4.625%
HK$37,455
+HK$2,148/mo
Deposit HK$809K · loan HK$7.29M · min. income ≈ HK$70,614/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,961
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,952
−HK$1,006/mo
Today · 4.125%
HK$38,958
baseline
▲ 0.50% · 4.625%
HK$41,011
+HK$2,053/mo
Deposit HK$809K · loan HK$7.29M · min. income ≈ HK$77,916/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,835 · Scale 2, in force from 26 Feb 2026)