LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,620
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,199
−HK$589/mo
Today · 4.125%
HK$19,788
baseline
▲ 0.50% · 4.625%
HK$20,992
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,576/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,715
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,270
−HK$564/mo
Today · 4.125%
HK$21,834
baseline
▲ 0.50% · 4.625%
HK$22,985
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,668/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,344
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,039
−HK$706/mo
Today · 4.125%
HK$23,745
baseline
▲ 0.50% · 4.625%
HK$25,190
+HK$1,445/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,490/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,858
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,524
−HK$677/mo
Today · 4.125%
HK$26,201
baseline
▲ 0.50% · 4.625%
HK$27,582
+HK$1,381/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,402/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,068
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,879
−HK$824/mo
Today · 4.125%
HK$27,703
baseline
▲ 0.50% · 4.625%
HK$29,389
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,406/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,001
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,779
−HK$789/mo
Today · 4.125%
HK$30,568
baseline
▲ 0.50% · 4.625%
HK$32,179
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,136/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,516
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,559
−HK$1,059/mo
Today · 4.125%
HK$35,618
baseline
▲ 0.50% · 4.625%
HK$37,786
+HK$2,168/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,236/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,287
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,287
−HK$1,014/mo
Today · 4.125%
HK$39,301
baseline
▲ 0.50% · 4.625%
HK$41,373
+HK$2,072/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,602/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,976 · Scale 2, in force from 26 Feb 2026)