LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,465
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,039
−HK$584/mo
Today · 4.125%
HK$19,623
baseline
▲ 0.50% · 4.625%
HK$20,817
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,246/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,542
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,093
−HK$559/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,793
+HK$1,141/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,158
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,847
−HK$700/mo
Today · 4.125%
HK$23,547
baseline
▲ 0.50% · 4.625%
HK$24,980
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,094/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,650
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,311
−HK$671/mo
Today · 4.125%
HK$25,982
baseline
▲ 0.50% · 4.625%
HK$27,351
+HK$1,369/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,964/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,851
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,655
−HK$817/mo
Today · 4.125%
HK$27,472
baseline
▲ 0.50% · 4.625%
HK$29,143
+HK$1,671/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,944/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,758
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,530
−HK$782/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$31,910
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,236
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,270
−HK$1,051/mo
Today · 4.125%
HK$35,321
baseline
▲ 0.50% · 4.625%
HK$37,470
+HK$2,149/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,642/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,975
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,967
−HK$1,006/mo
Today · 4.125%
HK$38,973
baseline
▲ 0.50% · 4.625%
HK$41,027
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,946/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,929 · Scale 2, in force from 26 Feb 2026)