LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,603
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,182
−HK$588/mo
Today · 4.125%
HK$19,770
baseline
▲ 0.50% · 4.625%
HK$20,973
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,540/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,696
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,251
−HK$563/mo
Today · 4.125%
HK$21,814
baseline
▲ 0.50% · 4.625%
HK$22,964
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,628/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,324
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,018
−HK$706/mo
Today · 4.125%
HK$23,724
baseline
▲ 0.50% · 4.625%
HK$25,167
+HK$1,443/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,448/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,835
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,501
−HK$676/mo
Today · 4.125%
HK$26,177
baseline
▲ 0.50% · 4.625%
HK$27,556
+HK$1,379/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,354/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,854
−HK$823/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,362
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,974
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,751
−HK$788/mo
Today · 4.125%
HK$30,539
baseline
▲ 0.50% · 4.625%
HK$32,149
+HK$1,610/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,078/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,485
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,527
−HK$1,058/mo
Today · 4.125%
HK$35,585
baseline
▲ 0.50% · 4.625%
HK$37,751
+HK$2,166/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$71,170/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,252
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,251
−HK$1,014/mo
Today · 4.125%
HK$39,265
baseline
▲ 0.50% · 4.625%
HK$41,335
+HK$2,070/mo
Deposit HK$816K · loan HK$7.34M · min. income ≈ HK$78,530/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,750 · Scale 2, in force from 26 Feb 2026)