LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,469
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,044
−HK$583/mo
Today · 4.125%
HK$19,627
baseline
▲ 0.50% · 4.625%
HK$20,822
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,254/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,547
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$559/mo
Today · 4.125%
HK$21,657
baseline
▲ 0.50% · 4.625%
HK$22,799
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,314/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,163
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,853
−HK$700/mo
Today · 4.125%
HK$23,553
baseline
▲ 0.50% · 4.625%
HK$24,986
+HK$1,433/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,106/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,656
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,318
−HK$670/mo
Today · 4.125%
HK$25,988
baseline
▲ 0.50% · 4.625%
HK$27,358
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,976/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,857
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,661
−HK$817/mo
Today · 4.125%
HK$27,478
baseline
▲ 0.50% · 4.625%
HK$29,150
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,956/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,766
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,537
−HK$783/mo
Today · 4.125%
HK$30,320
baseline
▲ 0.50% · 4.625%
HK$31,918
+HK$1,598/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,640/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,245
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,279
−HK$1,050/mo
Today · 4.125%
HK$35,329
baseline
▲ 0.50% · 4.625%
HK$37,479
+HK$2,150/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,658/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,984
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,976
−HK$1,007/mo
Today · 4.125%
HK$38,983
baseline
▲ 0.50% · 4.625%
HK$41,037
+HK$2,054/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,966/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,990 · Scale 2, in force from 26 Feb 2026)