LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,531
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,108
−HK$585/mo
Today · 4.125%
HK$19,693
baseline
▲ 0.50% · 4.625%
HK$20,892
+HK$1,199/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,386/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,616
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,169
−HK$561/mo
Today · 4.125%
HK$21,730
baseline
▲ 0.50% · 4.625%
HK$22,875
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,460/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,238
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,929
−HK$703/mo
Today · 4.125%
HK$23,632
baseline
▲ 0.50% · 4.625%
HK$25,070
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,264/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,739
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,403
−HK$673/mo
Today · 4.125%
HK$26,076
baseline
▲ 0.50% · 4.625%
HK$27,450
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,152/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,944
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,751
−HK$820/mo
Today · 4.125%
HK$27,571
baseline
▲ 0.50% · 4.625%
HK$29,248
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,142/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,862
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,636
−HK$786/mo
Today · 4.125%
HK$30,422
baseline
▲ 0.50% · 4.625%
HK$32,025
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,844/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,356
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,394
−HK$1,054/mo
Today · 4.125%
HK$35,448
baseline
▲ 0.50% · 4.625%
HK$37,605
+HK$2,157/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$70,896/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,109
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,104
−HK$1,010/mo
Today · 4.125%
HK$39,114
baseline
▲ 0.50% · 4.625%
HK$41,175
+HK$2,061/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$78,228/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,807 · Scale 2, in force from 26 Feb 2026)