LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,460
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,035
−HK$583/mo
Today · 4.125%
HK$19,618
baseline
▲ 0.50% · 4.625%
HK$20,812
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,236/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,537
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,088
−HK$559/mo
Today · 4.125%
HK$21,647
baseline
▲ 0.50% · 4.625%
HK$22,788
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,294/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,153
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,842
−HK$700/mo
Today · 4.125%
HK$23,542
baseline
▲ 0.50% · 4.625%
HK$24,974
+HK$1,432/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,084/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,644
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,305
−HK$671/mo
Today · 4.125%
HK$25,976
baseline
▲ 0.50% · 4.625%
HK$27,345
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,952/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,845
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,649
−HK$816/mo
Today · 4.125%
HK$27,465
baseline
▲ 0.50% · 4.625%
HK$29,136
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,930/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,752
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,523
−HK$782/mo
Today · 4.125%
HK$30,305
baseline
▲ 0.50% · 4.625%
HK$31,903
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,610/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,229
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,262
−HK$1,051/mo
Today · 4.125%
HK$35,313
baseline
▲ 0.50% · 4.625%
HK$37,461
+HK$2,148/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,626/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,967
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,958
−HK$1,006/mo
Today · 4.125%
HK$38,964
baseline
▲ 0.50% · 4.625%
HK$41,018
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,928/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,874 · Scale 2, in force from 26 Feb 2026)