LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,472
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$19,047
−HK$583/mo
Today · 4.125%
HK$19,630
baseline
▲ 0.50% · 4.625%
HK$20,825
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,260/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,550
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$21,101
−HK$559/mo
Today · 4.125%
HK$21,660
baseline
▲ 0.50% · 4.625%
HK$22,802
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,320/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,166
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,856
−HK$700/mo
Today · 4.125%
HK$23,556
baseline
▲ 0.50% · 4.625%
HK$24,990
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,112/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,660
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,321
−HK$671/mo
Today · 4.125%
HK$25,992
baseline
▲ 0.50% · 4.625%
HK$27,362
+HK$1,370/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$51,984/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,861
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,665
−HK$818/mo
Today · 4.125%
HK$27,483
baseline
▲ 0.50% · 4.625%
HK$29,155
+HK$1,672/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$54,966/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,770
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,542
−HK$782/mo
Today · 4.125%
HK$30,324
baseline
▲ 0.50% · 4.625%
HK$31,923
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,648/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,250
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,284
−HK$1,051/mo
Today · 4.125%
HK$35,335
baseline
▲ 0.50% · 4.625%
HK$37,485
+HK$2,150/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$70,670/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,990
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,982
−HK$1,006/mo
Today · 4.125%
HK$38,988
baseline
▲ 0.50% · 4.625%
HK$41,043
+HK$2,055/mo
Deposit HK$810K · loan HK$7.29M · min. income ≈ HK$77,976/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,026 · Scale 2, in force from 26 Feb 2026)