LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,467
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,041
−HK$584/mo
Today · 4.125%
HK$19,625
baseline
▲ 0.50% · 4.625%
HK$20,819
+HK$1,194/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,250/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,544
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,095
−HK$559/mo
Today · 4.125%
HK$21,654
baseline
▲ 0.50% · 4.625%
HK$22,796
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,308/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,160
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,849
−HK$701/mo
Today · 4.125%
HK$23,550
baseline
▲ 0.50% · 4.625%
HK$24,983
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,100/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,653
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,314
−HK$671/mo
Today · 4.125%
HK$25,985
baseline
▲ 0.50% · 4.625%
HK$27,355
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,970/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,854
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,658
−HK$817/mo
Today · 4.125%
HK$27,475
baseline
▲ 0.50% · 4.625%
HK$29,147
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,950/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,762
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,533
−HK$783/mo
Today · 4.125%
HK$30,316
baseline
▲ 0.50% · 4.625%
HK$31,914
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,632/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,240
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,274
−HK$1,051/mo
Today · 4.125%
HK$35,325
baseline
▲ 0.50% · 4.625%
HK$37,474
+HK$2,149/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,650/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,979
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,971
−HK$1,006/mo
Today · 4.125%
HK$38,977
baseline
▲ 0.50% · 4.625%
HK$41,032
+HK$2,055/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,954/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,958 · Scale 2, in force from 26 Feb 2026)