LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,522
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,098
−HK$586/mo
Today · 4.125%
HK$19,684
baseline
▲ 0.50% · 4.625%
HK$20,881
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,368/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,606
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,158
−HK$561/mo
Today · 4.125%
HK$21,719
baseline
▲ 0.50% · 4.625%
HK$22,864
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,438/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,227
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,918
−HK$702/mo
Today · 4.125%
HK$23,620
baseline
▲ 0.50% · 4.625%
HK$25,058
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,240/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,727
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,390
−HK$673/mo
Today · 4.125%
HK$26,063
baseline
▲ 0.50% · 4.625%
HK$27,436
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,126/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,931
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,738
−HK$819/mo
Today · 4.125%
HK$27,557
baseline
▲ 0.50% · 4.625%
HK$29,234
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,114/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,848
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,622
−HK$784/mo
Today · 4.125%
HK$30,406
baseline
▲ 0.50% · 4.625%
HK$32,009
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,812/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,340
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,377
−HK$1,053/mo
Today · 4.125%
HK$35,430
baseline
▲ 0.50% · 4.625%
HK$37,586
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,860/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,090
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,085
−HK$1,009/mo
Today · 4.125%
HK$39,094
baseline
▲ 0.50% · 4.625%
HK$41,155
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,188/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,685 · Scale 2, in force from 26 Feb 2026)