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$20,809
+HK$1,194/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$242,838 · 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$242,838 · 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$242,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,641
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,302
−HK$670/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$242,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,841
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,645
−HK$816/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$242,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,748
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,519
−HK$782/mo
Today · 4.125%
HK$30,301
baseline
▲ 0.50% · 4.625%
HK$31,898
+HK$1,597/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,602/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,838 · 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$37,456
+HK$2,149/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$242,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,961
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,953
−HK$1,005/mo
Today · 4.125%
HK$38,958
baseline
▲ 0.50% · 4.625%
HK$41,012
+HK$2,054/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$242,838 · Scale 2, in force from 26 Feb 2026)