LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,685
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,266
−HK$590/mo
Today · 4.125%
HK$19,856
baseline
▲ 0.50% · 4.625%
HK$21,065
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,712/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,786
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,344
−HK$566/mo
Today · 4.125%
HK$21,910
baseline
▲ 0.50% · 4.625%
HK$23,064
+HK$1,154/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,820/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,422
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,119
−HK$709/mo
Today · 4.125%
HK$23,828
baseline
▲ 0.50% · 4.625%
HK$25,277
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,656/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,944
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,613
−HK$678/mo
Today · 4.125%
HK$26,291
baseline
▲ 0.50% · 4.625%
HK$27,677
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,582/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,159
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,972
−HK$827/mo
Today · 4.125%
HK$27,799
baseline
▲ 0.50% · 4.625%
HK$29,490
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,598/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,101
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,882
−HK$791/mo
Today · 4.125%
HK$30,673
baseline
▲ 0.50% · 4.625%
HK$32,290
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,346/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,632
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,679
−HK$1,062/mo
Today · 4.125%
HK$35,741
baseline
▲ 0.50% · 4.625%
HK$37,916
+HK$2,175/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,482/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,416
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,419
−HK$1,018/mo
Today · 4.125%
HK$39,437
baseline
▲ 0.50% · 4.625%
HK$41,516
+HK$2,079/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,874/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,823 · Scale 2, in force from 26 Feb 2026)