LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,676
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,257
−HK$591/mo
Today · 4.125%
HK$19,848
baseline
▲ 0.50% · 4.625%
HK$21,055
+HK$1,207/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,696/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,777
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,335
−HK$565/mo
Today · 4.125%
HK$21,900
baseline
▲ 0.50% · 4.625%
HK$23,054
+HK$1,154/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,800/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,412
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,109
−HK$708/mo
Today · 4.125%
HK$23,817
baseline
▲ 0.50% · 4.625%
HK$25,266
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,634/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,933
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,602
−HK$678/mo
Today · 4.125%
HK$26,280
baseline
▲ 0.50% · 4.625%
HK$27,665
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,560/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,147
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,960
−HK$827/mo
Today · 4.125%
HK$27,787
baseline
▲ 0.50% · 4.625%
HK$29,477
+HK$1,690/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,574/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,088
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,868
−HK$792/mo
Today · 4.125%
HK$30,660
baseline
▲ 0.50% · 4.625%
HK$32,276
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,320/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,618
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,663
−HK$1,063/mo
Today · 4.125%
HK$35,726
baseline
▲ 0.50% · 4.625%
HK$37,900
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,452/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,399
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,402
−HK$1,018/mo
Today · 4.125%
HK$39,420
baseline
▲ 0.50% · 4.625%
HK$41,498
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,840/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,715 · Scale 2, in force from 26 Feb 2026)