LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,586
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,164
−HK$587/mo
Today · 4.125%
HK$19,751
baseline
▲ 0.50% · 4.625%
HK$20,953
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,502/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,677
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,231
−HK$563/mo
Today · 4.125%
HK$21,794
baseline
▲ 0.50% · 4.625%
HK$22,942
+HK$1,148/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,588/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,303
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,997
−HK$705/mo
Today · 4.125%
HK$23,702
baseline
▲ 0.50% · 4.625%
HK$25,144
+HK$1,442/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,404/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,812
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,477
−HK$675/mo
Today · 4.125%
HK$26,152
baseline
▲ 0.50% · 4.625%
HK$27,531
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,304/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,020
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$822/mo
Today · 4.125%
HK$27,652
baseline
▲ 0.50% · 4.625%
HK$29,334
+HK$1,682/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,304/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,947
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,724
−HK$787/mo
Today · 4.125%
HK$30,511
baseline
▲ 0.50% · 4.625%
HK$32,119
+HK$1,608/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,022/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,455
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,495
−HK$1,057/mo
Today · 4.125%
HK$35,552
baseline
▲ 0.50% · 4.625%
HK$37,716
+HK$2,164/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$71,104/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,218
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,216
−HK$1,013/mo
Today · 4.125%
HK$39,229
baseline
▲ 0.50% · 4.625%
HK$41,296
+HK$2,067/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$78,458/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,524 · Scale 2, in force from 26 Feb 2026)