LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,571
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,149
−HK$587/mo
Today · 4.125%
HK$19,736
baseline
▲ 0.50% · 4.625%
HK$20,937
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,472/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,661
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,215
−HK$562/mo
Today · 4.125%
HK$21,777
baseline
▲ 0.50% · 4.625%
HK$22,925
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,554/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,286
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,979
−HK$704/mo
Today · 4.125%
HK$23,683
baseline
▲ 0.50% · 4.625%
HK$25,124
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,366/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,793
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,458
−HK$674/mo
Today · 4.125%
HK$26,132
baseline
▲ 0.50% · 4.625%
HK$27,510
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,264/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,000
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,809
−HK$822/mo
Today · 4.125%
HK$27,631
baseline
▲ 0.50% · 4.625%
HK$29,312
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,262/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,925
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,701
−HK$787/mo
Today · 4.125%
HK$30,488
baseline
▲ 0.50% · 4.625%
HK$32,095
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,976/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,429
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,469
−HK$1,056/mo
Today · 4.125%
HK$35,525
baseline
▲ 0.50% · 4.625%
HK$37,687
+HK$2,162/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,050/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,189
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,186
−HK$1,012/mo
Today · 4.125%
HK$39,198
baseline
▲ 0.50% · 4.625%
HK$41,264
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,396/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,335 · Scale 2, in force from 26 Feb 2026)