LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,692
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,273
−HK$591/mo
Today · 4.125%
HK$19,864
baseline
▲ 0.50% · 4.625%
HK$21,072
+HK$1,208/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,728/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,794
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,352
−HK$566/mo
Today · 4.125%
HK$21,918
baseline
▲ 0.50% · 4.625%
HK$23,073
+HK$1,155/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,836/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,430
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,128
−HK$708/mo
Today · 4.125%
HK$23,836
baseline
▲ 0.50% · 4.625%
HK$25,287
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,672/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,953
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,622
−HK$679/mo
Today · 4.125%
HK$26,301
baseline
▲ 0.50% · 4.625%
HK$27,687
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,602/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,168
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,982
−HK$827/mo
Today · 4.125%
HK$27,809
baseline
▲ 0.50% · 4.625%
HK$29,501
+HK$1,692/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,618/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,112
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,893
−HK$792/mo
Today · 4.125%
HK$30,685
baseline
▲ 0.50% · 4.625%
HK$32,302
+HK$1,617/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,370/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,645
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,691
−HK$1,064/mo
Today · 4.125%
HK$35,755
baseline
▲ 0.50% · 4.625%
HK$37,930
+HK$2,175/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,510/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,429
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,433
−HK$1,019/mo
Today · 4.125%
HK$39,452
baseline
▲ 0.50% · 4.625%
HK$41,531
+HK$2,079/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,904/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,914 · Scale 2, in force from 26 Feb 2026)