LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,523
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,099
−HK$585/mo
Today · 4.125%
HK$19,684
baseline
▲ 0.50% · 4.625%
HK$20,882
+HK$1,198/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$243,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,606
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,159
−HK$561/mo
Today · 4.125%
HK$21,720
baseline
▲ 0.50% · 4.625%
HK$22,864
+HK$1,144/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,440/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,227
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,919
−HK$702/mo
Today · 4.125%
HK$23,621
baseline
▲ 0.50% · 4.625%
HK$25,058
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,242/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,727
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,391
−HK$672/mo
Today · 4.125%
HK$26,063
baseline
▲ 0.50% · 4.625%
HK$27,437
+HK$1,374/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$243,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,932
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,738
−HK$820/mo
Today · 4.125%
HK$27,558
baseline
▲ 0.50% · 4.625%
HK$29,235
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,116/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,849
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,622
−HK$785/mo
Today · 4.125%
HK$30,407
baseline
▲ 0.50% · 4.625%
HK$32,010
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,814/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,341
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,378
−HK$1,053/mo
Today · 4.125%
HK$35,431
baseline
▲ 0.50% · 4.625%
HK$37,587
+HK$2,156/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,862/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,091
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,086
−HK$1,009/mo
Today · 4.125%
HK$39,095
baseline
▲ 0.50% · 4.625%
HK$41,156
+HK$2,061/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,190/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,692 · Scale 2, in force from 26 Feb 2026)