LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,688
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,269
−HK$591/mo
Today · 4.125%
HK$19,860
baseline
▲ 0.50% · 4.625%
HK$21,068
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,720/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,790
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,348
−HK$566/mo
Today · 4.125%
HK$21,914
baseline
▲ 0.50% · 4.625%
HK$23,069
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,828/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,426
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,123
−HK$709/mo
Today · 4.125%
HK$23,832
baseline
▲ 0.50% · 4.625%
HK$25,282
+HK$1,450/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,664/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,948
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,618
−HK$678/mo
Today · 4.125%
HK$26,296
baseline
▲ 0.50% · 4.625%
HK$27,682
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,592/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,163
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,977
−HK$827/mo
Today · 4.125%
HK$27,804
baseline
▲ 0.50% · 4.625%
HK$29,496
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,608/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,106
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,887
−HK$792/mo
Today · 4.125%
HK$30,679
baseline
▲ 0.50% · 4.625%
HK$32,296
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,358/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,639
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,685
−HK$1,063/mo
Today · 4.125%
HK$35,748
baseline
▲ 0.50% · 4.625%
HK$37,923
+HK$2,175/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,496/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,423
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,426
−HK$1,018/mo
Today · 4.125%
HK$39,444
baseline
▲ 0.50% · 4.625%
HK$41,524
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,888/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,869 · Scale 2, in force from 26 Feb 2026)