LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,615
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,194
−HK$588/mo
Today · 4.125%
HK$19,782
baseline
▲ 0.50% · 4.625%
HK$20,986
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,564/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,709
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,264
−HK$563/mo
Today · 4.125%
HK$21,827
baseline
▲ 0.50% · 4.625%
HK$22,978
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,654/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,338
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,032
−HK$706/mo
Today · 4.125%
HK$23,738
baseline
▲ 0.50% · 4.625%
HK$25,183
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,476/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,850
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,517
−HK$676/mo
Today · 4.125%
HK$26,193
baseline
▲ 0.50% · 4.625%
HK$27,574
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,386/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,061
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,871
−HK$824/mo
Today · 4.125%
HK$27,695
baseline
▲ 0.50% · 4.625%
HK$29,380
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,390/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,992
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,770
−HK$788/mo
Today · 4.125%
HK$30,558
baseline
▲ 0.50% · 4.625%
HK$32,169
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,116/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,506
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,549
−HK$1,059/mo
Today · 4.125%
HK$35,608
baseline
▲ 0.50% · 4.625%
HK$37,774
+HK$2,166/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,216/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,275
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,275
−HK$1,014/mo
Today · 4.125%
HK$39,289
baseline
▲ 0.50% · 4.625%
HK$41,360
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,578/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,902 · Scale 2, in force from 26 Feb 2026)