LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,485
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,060
−HK$585/mo
Today · 4.125%
HK$19,645
baseline
▲ 0.50% · 4.625%
HK$20,840
+HK$1,195/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,290/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,565
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,116
−HK$560/mo
Today · 4.125%
HK$21,676
baseline
▲ 0.50% · 4.625%
HK$22,818
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,352/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,182
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,872
−HK$702/mo
Today · 4.125%
HK$23,574
baseline
▲ 0.50% · 4.625%
HK$25,008
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,148/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,678
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,340
−HK$671/mo
Today · 4.125%
HK$26,011
baseline
▲ 0.50% · 4.625%
HK$27,382
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,022/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,880
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,685
−HK$817/mo
Today · 4.125%
HK$27,502
baseline
▲ 0.50% · 4.625%
HK$29,176
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$55,004/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,791
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,563
−HK$783/mo
Today · 4.125%
HK$30,346
baseline
▲ 0.50% · 4.625%
HK$31,946
+HK$1,600/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,692/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,274
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,309
−HK$1,051/mo
Today · 4.125%
HK$35,360
baseline
▲ 0.50% · 4.625%
HK$37,512
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,720/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,017
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,009
−HK$1,008/mo
Today · 4.125%
HK$39,017
baseline
▲ 0.50% · 4.625%
HK$41,073
+HK$2,056/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,034/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,202 · Scale 2, in force from 26 Feb 2026)