LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,602
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,181
−HK$587/mo
Today · 4.125%
HK$19,768
baseline
▲ 0.50% · 4.625%
HK$20,971
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,536/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,695
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,250
−HK$563/mo
Today · 4.125%
HK$21,813
baseline
▲ 0.50% · 4.625%
HK$22,962
+HK$1,149/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,626/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,322
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,017
−HK$705/mo
Today · 4.125%
HK$23,722
baseline
▲ 0.50% · 4.625%
HK$25,166
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,444/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,833
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,499
−HK$676/mo
Today · 4.125%
HK$26,175
baseline
▲ 0.50% · 4.625%
HK$27,555
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,350/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,043
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,853
−HK$823/mo
Today · 4.125%
HK$27,676
baseline
▲ 0.50% · 4.625%
HK$29,360
+HK$1,684/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,352/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,972
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,749
−HK$789/mo
Today · 4.125%
HK$30,538
baseline
▲ 0.50% · 4.625%
HK$32,147
+HK$1,609/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,076/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,484
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,525
−HK$1,058/mo
Today · 4.125%
HK$35,583
baseline
▲ 0.50% · 4.625%
HK$37,748
+HK$2,165/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,166/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,250
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,249
−HK$1,014/mo
Today · 4.125%
HK$39,263
baseline
▲ 0.50% · 4.625%
HK$41,332
+HK$2,069/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,526/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,736 · Scale 2, in force from 26 Feb 2026)