LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,552
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,129
−HK$587/mo
Today · 4.125%
HK$19,716
baseline
▲ 0.50% · 4.625%
HK$20,915
+HK$1,199/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,432/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,639
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,193
−HK$561/mo
Today · 4.125%
HK$21,754
baseline
▲ 0.50% · 4.625%
HK$22,901
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,508/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,263
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,955
−HK$704/mo
Today · 4.125%
HK$23,659
baseline
▲ 0.50% · 4.625%
HK$25,098
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,318/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,767
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,431
−HK$674/mo
Today · 4.125%
HK$26,105
baseline
▲ 0.50% · 4.625%
HK$27,481
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,210/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,973
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,781
−HK$821/mo
Today · 4.125%
HK$27,602
baseline
▲ 0.50% · 4.625%
HK$29,281
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,204/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,895
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,670
−HK$786/mo
Today · 4.125%
HK$30,456
baseline
▲ 0.50% · 4.625%
HK$32,061
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,912/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,394
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,433
−HK$1,055/mo
Today · 4.125%
HK$35,488
baseline
▲ 0.50% · 4.625%
HK$37,648
+HK$2,160/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$70,976/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,151
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,147
−HK$1,011/mo
Today · 4.125%
HK$39,158
baseline
▲ 0.50% · 4.625%
HK$41,222
+HK$2,064/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$78,316/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,082 · Scale 2, in force from 26 Feb 2026)