LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,530
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$586/mo
Today · 4.125%
HK$19,692
baseline
▲ 0.50% · 4.625%
HK$20,890
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,384/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,614
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,167
−HK$561/mo
Today · 4.125%
HK$21,728
baseline
▲ 0.50% · 4.625%
HK$22,873
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,456/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,236
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,927
−HK$703/mo
Today · 4.125%
HK$23,630
baseline
▲ 0.50% · 4.625%
HK$25,068
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,260/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,737
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,400
−HK$674/mo
Today · 4.125%
HK$26,074
baseline
▲ 0.50% · 4.625%
HK$27,448
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,148/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,942
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$819/mo
Today · 4.125%
HK$27,568
baseline
▲ 0.50% · 4.625%
HK$29,246
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,136/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,860
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,634
−HK$785/mo
Today · 4.125%
HK$30,419
baseline
▲ 0.50% · 4.625%
HK$32,023
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,838/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,354
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,391
−HK$1,054/mo
Today · 4.125%
HK$35,445
baseline
▲ 0.50% · 4.625%
HK$37,602
+HK$2,157/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$70,890/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,106
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,101
−HK$1,009/mo
Today · 4.125%
HK$39,110
baseline
▲ 0.50% · 4.625%
HK$41,172
+HK$2,062/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$78,220/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,786 · Scale 2, in force from 26 Feb 2026)