LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,686
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$591/mo
Today · 4.125%
HK$19,858
baseline
▲ 0.50% · 4.625%
HK$21,066
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,716/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,788
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,345
−HK$566/mo
Today · 4.125%
HK$21,911
baseline
▲ 0.50% · 4.625%
HK$23,066
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,822/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,423
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$709/mo
Today · 4.125%
HK$23,829
baseline
▲ 0.50% · 4.625%
HK$25,279
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,658/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,945
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,614
−HK$679/mo
Today · 4.125%
HK$26,293
baseline
▲ 0.50% · 4.625%
HK$27,679
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,586/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,160
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,974
−HK$827/mo
Today · 4.125%
HK$27,801
baseline
▲ 0.50% · 4.625%
HK$29,492
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,602/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,103
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,883
−HK$792/mo
Today · 4.125%
HK$30,675
baseline
▲ 0.50% · 4.625%
HK$32,292
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,350/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,634
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,681
−HK$1,063/mo
Today · 4.125%
HK$35,744
baseline
▲ 0.50% · 4.625%
HK$37,918
+HK$2,174/mo
Deposit HK$819K · loan HK$7.38M · min. income ≈ HK$71,488/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,418
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,421
−HK$1,019/mo
Today · 4.125%
HK$39,440
baseline
▲ 0.50% · 4.625%
HK$41,518
+HK$2,078/mo
Deposit HK$819K · loan HK$7.38M · min. income ≈ HK$78,880/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,838 · Scale 2, in force from 26 Feb 2026)