LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,503
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,079
−HK$584/mo
Today · 4.125%
HK$19,663
baseline
▲ 0.50% · 4.625%
HK$20,860
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,326/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,585
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,137
−HK$560/mo
Today · 4.125%
HK$21,697
baseline
▲ 0.50% · 4.625%
HK$22,840
+HK$1,143/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,394/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,204
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,894
−HK$702/mo
Today · 4.125%
HK$23,596
baseline
▲ 0.50% · 4.625%
HK$25,032
+HK$1,436/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,192/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,701
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,364
−HK$672/mo
Today · 4.125%
HK$26,036
baseline
▲ 0.50% · 4.625%
HK$27,408
+HK$1,372/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,072/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,904
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,710
−HK$819/mo
Today · 4.125%
HK$27,529
baseline
▲ 0.50% · 4.625%
HK$29,204
+HK$1,675/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,058/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,818
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,591
−HK$784/mo
Today · 4.125%
HK$30,375
baseline
▲ 0.50% · 4.625%
HK$31,976
+HK$1,601/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,750/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,306
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,342
−HK$1,052/mo
Today · 4.125%
HK$35,394
baseline
▲ 0.50% · 4.625%
HK$37,548
+HK$2,154/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,788/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,052
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,046
−HK$1,008/mo
Today · 4.125%
HK$39,054
baseline
▲ 0.50% · 4.625%
HK$41,113
+HK$2,059/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,108/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,435 · Scale 2, in force from 26 Feb 2026)