LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,679
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,260
−HK$590/mo
Today · 4.125%
HK$19,850
baseline
▲ 0.50% · 4.625%
HK$21,058
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,700/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,780
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$566/mo
Today · 4.125%
HK$21,903
baseline
▲ 0.50% · 4.625%
HK$23,057
+HK$1,154/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,806/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,414
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,112
−HK$708/mo
Today · 4.125%
HK$23,820
baseline
▲ 0.50% · 4.625%
HK$25,269
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,640/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,936
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,605
−HK$678/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,669
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,150
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,964
−HK$826/mo
Today · 4.125%
HK$27,790
baseline
▲ 0.50% · 4.625%
HK$29,481
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,580/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,092
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,872
−HK$792/mo
Today · 4.125%
HK$30,664
baseline
▲ 0.50% · 4.625%
HK$32,280
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,328/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,622
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$1,062/mo
Today · 4.125%
HK$35,730
baseline
▲ 0.50% · 4.625%
HK$37,904
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,460/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,404
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,407
−HK$1,018/mo
Today · 4.125%
HK$39,425
baseline
▲ 0.50% · 4.625%
HK$41,503
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,850/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,746 · Scale 2, in force from 26 Feb 2026)