LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,581
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$587/mo
Today · 4.125%
HK$19,746
baseline
▲ 0.50% · 4.625%
HK$20,947
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,492/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,671
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,225
−HK$562/mo
Today · 4.125%
HK$21,787
baseline
▲ 0.50% · 4.625%
HK$22,936
+HK$1,149/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,574/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,297
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,990
−HK$705/mo
Today · 4.125%
HK$23,695
baseline
▲ 0.50% · 4.625%
HK$25,137
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,390/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,805
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,470
−HK$675/mo
Today · 4.125%
HK$26,145
baseline
▲ 0.50% · 4.625%
HK$27,523
+HK$1,378/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,290/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,013
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$26,822
−HK$822/mo
Today · 4.125%
HK$27,644
baseline
▲ 0.50% · 4.625%
HK$29,326
+HK$1,682/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,288/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,939
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,715
−HK$787/mo
Today · 4.125%
HK$30,502
baseline
▲ 0.50% · 4.625%
HK$32,110
+HK$1,608/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$61,004/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,445
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,485
−HK$1,057/mo
Today · 4.125%
HK$35,542
baseline
▲ 0.50% · 4.625%
HK$37,705
+HK$2,163/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$71,084/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,207
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,205
−HK$1,012/mo
Today · 4.125%
HK$39,217
baseline
▲ 0.50% · 4.625%
HK$41,285
+HK$2,068/mo
Deposit HK$815K · loan HK$7.33M · min. income ≈ HK$78,434/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,454 · Scale 2, in force from 26 Feb 2026)