LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,627
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,206
−HK$589/mo
Today · 4.125%
HK$19,795
baseline
▲ 0.50% · 4.625%
HK$21,000
+HK$1,205/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,590/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,722
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,278
−HK$564/mo
Today · 4.125%
HK$21,842
baseline
▲ 0.50% · 4.625%
HK$22,993
+HK$1,151/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,684/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,352
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,048
−HK$706/mo
Today · 4.125%
HK$23,754
baseline
▲ 0.50% · 4.625%
HK$25,200
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,508/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,867
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,534
−HK$676/mo
Today · 4.125%
HK$26,210
baseline
▲ 0.50% · 4.625%
HK$27,592
+HK$1,382/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,420/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,078
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,889
−HK$824/mo
Today · 4.125%
HK$27,713
baseline
▲ 0.50% · 4.625%
HK$29,399
+HK$1,686/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,426/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,011
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,789
−HK$790/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,191
+HK$1,612/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,529
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,572
−HK$1,059/mo
Today · 4.125%
HK$35,631
baseline
▲ 0.50% · 4.625%
HK$37,799
+HK$2,168/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$71,262/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,300
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,301
−HK$1,015/mo
Today · 4.125%
HK$39,316
baseline
▲ 0.50% · 4.625%
HK$41,388
+HK$2,072/mo
Deposit HK$817K · loan HK$7.35M · min. income ≈ HK$78,632/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,065 · Scale 2, in force from 26 Feb 2026)