LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,549
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,126
−HK$586/mo
Today · 4.125%
HK$19,712
baseline
▲ 0.50% · 4.625%
HK$20,912
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,424/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,635
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,189
−HK$561/mo
Today · 4.125%
HK$21,750
baseline
▲ 0.50% · 4.625%
HK$22,897
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,500/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,259
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,951
−HK$704/mo
Today · 4.125%
HK$23,655
baseline
▲ 0.50% · 4.625%
HK$25,094
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,310/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,763
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,427
−HK$673/mo
Today · 4.125%
HK$26,100
baseline
▲ 0.50% · 4.625%
HK$27,476
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,200/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,968
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,776
−HK$821/mo
Today · 4.125%
HK$27,597
baseline
▲ 0.50% · 4.625%
HK$29,276
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,194/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,890
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,664
−HK$786/mo
Today · 4.125%
HK$30,450
baseline
▲ 0.50% · 4.625%
HK$32,056
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,900/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,388
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,427
−HK$1,055/mo
Today · 4.125%
HK$35,482
baseline
▲ 0.50% · 4.625%
HK$37,641
+HK$2,159/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$70,964/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,144
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,140
−HK$1,011/mo
Today · 4.125%
HK$39,151
baseline
▲ 0.50% · 4.625%
HK$41,214
+HK$2,063/mo
Deposit HK$813K · loan HK$7.32M · min. income ≈ HK$78,302/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,038 · Scale 2, in force from 26 Feb 2026)