LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,553
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,130
−HK$586/mo
Today · 4.125%
HK$19,716
baseline
▲ 0.50% · 4.625%
HK$20,916
+HK$1,200/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$244,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,640
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,193
−HK$562/mo
Today · 4.125%
HK$21,755
baseline
▲ 0.50% · 4.625%
HK$22,902
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,510/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,263
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,956
−HK$704/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$25,099
+HK$1,439/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,320/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,768
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,432
−HK$674/mo
Today · 4.125%
HK$26,106
baseline
▲ 0.50% · 4.625%
HK$27,482
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,212/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,974
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,782
−HK$821/mo
Today · 4.125%
HK$27,603
baseline
▲ 0.50% · 4.625%
HK$29,282
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,206/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,896
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,671
−HK$786/mo
Today · 4.125%
HK$30,457
baseline
▲ 0.50% · 4.625%
HK$32,062
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,914/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$244,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,395
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,434
−HK$1,055/mo
Today · 4.125%
HK$35,489
baseline
▲ 0.50% · 4.625%
HK$37,649
+HK$2,160/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$70,978/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,152
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,148
−HK$1,011/mo
Today · 4.125%
HK$39,159
baseline
▲ 0.50% · 4.625%
HK$41,223
+HK$2,064/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$78,318/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,090 · Scale 2, in force from 26 Feb 2026)