LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,538
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,114
−HK$586/mo
Today · 4.125%
HK$19,700
baseline
▲ 0.50% · 4.625%
HK$20,899
+HK$1,199/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,400/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,623
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,176
−HK$561/mo
Today · 4.125%
HK$21,737
baseline
▲ 0.50% · 4.625%
HK$22,883
+HK$1,146/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,474/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,245
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,937
−HK$703/mo
Today · 4.125%
HK$23,640
baseline
▲ 0.50% · 4.625%
HK$25,078
+HK$1,438/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,280/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,747
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,411
−HK$673/mo
Today · 4.125%
HK$26,084
baseline
▲ 0.50% · 4.625%
HK$27,459
+HK$1,375/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,168/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,953
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,760
−HK$820/mo
Today · 4.125%
HK$27,580
baseline
▲ 0.50% · 4.625%
HK$29,258
+HK$1,678/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,160/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,872
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,646
−HK$786/mo
Today · 4.125%
HK$30,432
baseline
▲ 0.50% · 4.625%
HK$32,036
+HK$1,604/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,864/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,368
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,406
−HK$1,054/mo
Today · 4.125%
HK$35,460
baseline
▲ 0.50% · 4.625%
HK$37,618
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,920/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,121
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,117
−HK$1,010/mo
Today · 4.125%
HK$39,127
baseline
▲ 0.50% · 4.625%
HK$41,189
+HK$2,062/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,254/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,888 · Scale 2, in force from 26 Feb 2026)