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$245,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,780
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,338
−HK$565/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$245,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,415
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,112
−HK$708/mo
Today · 4.125%
HK$23,820
baseline
▲ 0.50% · 4.625%
HK$25,270
+HK$1,450/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$245,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,936
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,605
−HK$679/mo
Today · 4.125%
HK$26,284
baseline
▲ 0.50% · 4.625%
HK$27,669
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,568/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,151
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,964
−HK$827/mo
Today · 4.125%
HK$27,791
baseline
▲ 0.50% · 4.625%
HK$29,482
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,582/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,092
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,873
−HK$791/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$245,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,622
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$1,063/mo
Today · 4.125%
HK$35,731
baseline
▲ 0.50% · 4.625%
HK$37,905
+HK$2,174/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,462/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,404
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,408
−HK$1,017/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$245,750 · Scale 2, in force from 26 Feb 2026)