LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,571
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,148
−HK$587/mo
Today · 4.125%
HK$19,735
baseline
▲ 0.50% · 4.625%
HK$20,936
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,470/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,660
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,214
−HK$562/mo
Today · 4.125%
HK$21,776
baseline
▲ 0.50% · 4.625%
HK$22,924
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,552/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,285
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,978
−HK$704/mo
Today · 4.125%
HK$23,682
baseline
▲ 0.50% · 4.625%
HK$25,123
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,364/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,792
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,456
−HK$675/mo
Today · 4.125%
HK$26,131
baseline
▲ 0.50% · 4.625%
HK$27,508
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,262/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,999
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,808
−HK$821/mo
Today · 4.125%
HK$27,629
baseline
▲ 0.50% · 4.625%
HK$29,310
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,258/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,923
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,699
−HK$787/mo
Today · 4.125%
HK$30,486
baseline
▲ 0.50% · 4.625%
HK$32,093
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,972/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,427
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,467
−HK$1,056/mo
Today · 4.125%
HK$35,523
baseline
▲ 0.50% · 4.625%
HK$37,685
+HK$2,162/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,046/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,187
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,185
−HK$1,011/mo
Today · 4.125%
HK$39,196
baseline
▲ 0.50% · 4.625%
HK$41,263
+HK$2,067/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,392/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,323 · Scale 2, in force from 26 Feb 2026)