LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,610
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,189
−HK$588/mo
Today · 4.125%
HK$19,777
baseline
▲ 0.50% · 4.625%
HK$20,981
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,554/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,704
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,259
−HK$563/mo
Today · 4.125%
HK$21,822
baseline
▲ 0.50% · 4.625%
HK$22,973
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,644/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,333
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,027
−HK$706/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$25,177
+HK$1,444/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,845
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,511
−HK$676/mo
Today · 4.125%
HK$26,187
baseline
▲ 0.50% · 4.625%
HK$27,567
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,374/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,055
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,865
−HK$823/mo
Today · 4.125%
HK$27,688
baseline
▲ 0.50% · 4.625%
HK$29,373
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,376/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,985
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,763
−HK$788/mo
Today · 4.125%
HK$30,551
baseline
▲ 0.50% · 4.625%
HK$32,162
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,102/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,499
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,541
−HK$1,058/mo
Today · 4.125%
HK$35,599
baseline
▲ 0.50% · 4.625%
HK$37,766
+HK$2,167/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,198/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,267
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,267
−HK$1,013/mo
Today · 4.125%
HK$39,280
baseline
▲ 0.50% · 4.625%
HK$41,351
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,560/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,847 · Scale 2, in force from 26 Feb 2026)