LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,559
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,137
−HK$586/mo
Today · 4.125%
HK$19,723
baseline
▲ 0.50% · 4.625%
HK$20,923
+HK$1,200/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,446/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,647
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,201
−HK$562/mo
Today · 4.125%
HK$21,763
baseline
▲ 0.50% · 4.625%
HK$22,910
+HK$1,147/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,526/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$244,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,271
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,964
−HK$704/mo
Today · 4.125%
HK$23,668
baseline
▲ 0.50% · 4.625%
HK$25,108
+HK$1,440/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$47,336/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,777
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,441
−HK$674/mo
Today · 4.125%
HK$26,115
baseline
▲ 0.50% · 4.625%
HK$27,492
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.88M · min. income ≈ HK$52,230/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,983
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,791
−HK$822/mo
Today · 4.125%
HK$27,613
baseline
▲ 0.50% · 4.625%
HK$29,293
+HK$1,680/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,226/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,906
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,681
−HK$787/mo
Today · 4.125%
HK$30,468
baseline
▲ 0.50% · 4.625%
HK$32,074
+HK$1,606/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,936/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,407
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,446
−HK$1,056/mo
Today · 4.125%
HK$35,502
baseline
▲ 0.50% · 4.625%
HK$37,662
+HK$2,160/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,004/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,165
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,162
−HK$1,011/mo
Today · 4.125%
HK$39,173
baseline
▲ 0.50% · 4.625%
HK$41,238
+HK$2,065/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,346/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,176 · Scale 2, in force from 26 Feb 2026)