LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,596
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,174
−HK$588/mo
Today · 4.125%
HK$19,762
baseline
▲ 0.50% · 4.625%
HK$20,964
+HK$1,202/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,524/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,688
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,242
−HK$563/mo
Today · 4.125%
HK$21,805
baseline
▲ 0.50% · 4.625%
HK$22,955
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,610/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,315
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,009
−HK$705/mo
Today · 4.125%
HK$23,714
baseline
▲ 0.50% · 4.625%
HK$25,157
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,428/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,825
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,491
−HK$675/mo
Today · 4.125%
HK$26,166
baseline
▲ 0.50% · 4.625%
HK$27,546
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,332/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,034
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,844
−HK$823/mo
Today · 4.125%
HK$27,667
baseline
▲ 0.50% · 4.625%
HK$29,350
+HK$1,683/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,334/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,963
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,739
−HK$788/mo
Today · 4.125%
HK$30,527
baseline
▲ 0.50% · 4.625%
HK$32,137
+HK$1,610/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,054/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,472
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,514
−HK$1,057/mo
Today · 4.125%
HK$35,571
baseline
▲ 0.50% · 4.625%
HK$37,736
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,142/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,238
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,236
−HK$1,014/mo
Today · 4.125%
HK$39,250
baseline
▲ 0.50% · 4.625%
HK$41,318
+HK$2,068/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,500/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,654 · Scale 2, in force from 26 Feb 2026)