LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,586
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,164
−HK$588/mo
Today · 4.125%
HK$19,752
baseline
▲ 0.50% · 4.625%
HK$20,954
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,504/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,677
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,232
−HK$562/mo
Today · 4.125%
HK$21,794
baseline
▲ 0.50% · 4.625%
HK$22,943
+HK$1,149/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$244,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,304
−HK$1,398/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$244,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,812
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,478
−HK$675/mo
Today · 4.125%
HK$26,153
baseline
▲ 0.50% · 4.625%
HK$27,532
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,306/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,021
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$823/mo
Today · 4.125%
HK$27,653
baseline
▲ 0.50% · 4.625%
HK$29,335
+HK$1,682/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,306/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,948
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,724
−HK$788/mo
Today · 4.125%
HK$30,512
baseline
▲ 0.50% · 4.625%
HK$32,120
+HK$1,608/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,024/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,455
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,496
−HK$1,057/mo
Today · 4.125%
HK$35,553
baseline
▲ 0.50% · 4.625%
HK$37,717
+HK$2,164/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$71,106/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,219
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,217
−HK$1,013/mo
Today · 4.125%
HK$39,230
baseline
▲ 0.50% · 4.625%
HK$41,297
+HK$2,067/mo
Deposit HK$815K · loan HK$7.34M · min. income ≈ HK$78,460/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,529 · Scale 2, in force from 26 Feb 2026)