LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,544
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,121
−HK$586/mo
Today · 4.125%
HK$19,707
baseline
▲ 0.50% · 4.625%
HK$20,906
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,414/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,630
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,183
−HK$561/mo
Today · 4.125%
HK$21,744
baseline
▲ 0.50% · 4.625%
HK$22,890
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,488/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,252
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,945
−HK$703/mo
Today · 4.125%
HK$23,648
baseline
▲ 0.50% · 4.625%
HK$25,087
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,296/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,756
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,420
−HK$673/mo
Today · 4.125%
HK$26,093
baseline
▲ 0.50% · 4.625%
HK$27,469
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,186/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$243,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,961
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,769
−HK$820/mo
Today · 4.125%
HK$27,589
baseline
▲ 0.50% · 4.625%
HK$29,268
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,178/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,882
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,656
−HK$786/mo
Today · 4.125%
HK$30,442
baseline
▲ 0.50% · 4.625%
HK$32,047
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,884/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,379
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,417
−HK$1,055/mo
Today · 4.125%
HK$35,472
baseline
▲ 0.50% · 4.625%
HK$37,630
+HK$2,158/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,944/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,133
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,129
−HK$1,011/mo
Today · 4.125%
HK$39,140
baseline
▲ 0.50% · 4.625%
HK$41,203
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,280/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,970 · Scale 2, in force from 26 Feb 2026)