LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,624
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,203
−HK$589/mo
Today · 4.125%
HK$19,792
baseline
▲ 0.50% · 4.625%
HK$20,996
+HK$1,204/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,584/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,719
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,275
−HK$563/mo
Today · 4.125%
HK$21,838
baseline
▲ 0.50% · 4.625%
HK$22,990
+HK$1,152/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,676/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,349
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$23,044
−HK$706/mo
Today · 4.125%
HK$23,750
baseline
▲ 0.50% · 4.625%
HK$25,196
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,500/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,863
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,530
−HK$676/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,588
+HK$1,382/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,074
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,885
−HK$824/mo
Today · 4.125%
HK$27,709
baseline
▲ 0.50% · 4.625%
HK$29,395
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,418/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,007
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,785
−HK$789/mo
Today · 4.125%
HK$30,574
baseline
▲ 0.50% · 4.625%
HK$32,185
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,148/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,523
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,566
−HK$1,060/mo
Today · 4.125%
HK$35,626
baseline
▲ 0.50% · 4.625%
HK$37,793
+HK$2,167/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,252/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,294
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,295
−HK$1,014/mo
Today · 4.125%
HK$39,309
baseline
▲ 0.50% · 4.625%
HK$41,381
+HK$2,072/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,618/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,027 · Scale 2, in force from 26 Feb 2026)