LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,553
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,131
−HK$586/mo
Today · 4.125%
HK$19,717
baseline
▲ 0.50% · 4.625%
HK$20,917
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,434/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,640
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$562/mo
Today · 4.125%
HK$21,756
baseline
▲ 0.50% · 4.625%
HK$22,902
+HK$1,146/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,512/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,264
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,957
−HK$703/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$25,100
+HK$1,440/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$244,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,769
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,433
−HK$674/mo
Today · 4.125%
HK$26,107
baseline
▲ 0.50% · 4.625%
HK$27,483
+HK$1,376/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,214/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,975
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,783
−HK$821/mo
Today · 4.125%
HK$27,604
baseline
▲ 0.50% · 4.625%
HK$29,283
+HK$1,679/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,208/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,897
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,672
−HK$786/mo
Today · 4.125%
HK$30,458
baseline
▲ 0.50% · 4.625%
HK$32,063
+HK$1,605/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,916/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,396
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,435
−HK$1,055/mo
Today · 4.125%
HK$35,490
baseline
▲ 0.50% · 4.625%
HK$37,650
+HK$2,160/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$70,980/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,153
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,149
−HK$1,011/mo
Today · 4.125%
HK$39,160
baseline
▲ 0.50% · 4.625%
HK$41,224
+HK$2,064/mo
Deposit HK$814K · loan HK$7.32M · min. income ≈ HK$78,320/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,097 · Scale 2, in force from 26 Feb 2026)