LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,615
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,194
−HK$589/mo
Today · 4.125%
HK$19,783
baseline
▲ 0.50% · 4.625%
HK$20,986
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,566/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,709
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,265
−HK$563/mo
Today · 4.125%
HK$21,828
baseline
▲ 0.50% · 4.625%
HK$22,979
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,656/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,338
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,033
−HK$706/mo
Today · 4.125%
HK$23,739
baseline
▲ 0.50% · 4.625%
HK$25,184
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,478/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,851
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,518
−HK$676/mo
Today · 4.125%
HK$26,194
baseline
▲ 0.50% · 4.625%
HK$27,575
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,388/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,061
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,872
−HK$824/mo
Today · 4.125%
HK$27,696
baseline
▲ 0.50% · 4.625%
HK$29,381
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,392/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,993
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,771
−HK$788/mo
Today · 4.125%
HK$30,559
baseline
▲ 0.50% · 4.625%
HK$32,170
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,118/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,508
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,550
−HK$1,059/mo
Today · 4.125%
HK$35,609
baseline
▲ 0.50% · 4.625%
HK$37,775
+HK$2,166/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,218/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,277
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,277
−HK$1,014/mo
Today · 4.125%
HK$39,291
baseline
▲ 0.50% · 4.625%
HK$41,362
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,582/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,911 · Scale 2, in force from 26 Feb 2026)