LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,696
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,278
−HK$591/mo
Today · 4.125%
HK$19,869
baseline
▲ 0.50% · 4.625%
HK$21,078
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,738/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$245,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,799
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,357
−HK$566/mo
Today · 4.125%
HK$21,923
baseline
▲ 0.50% · 4.625%
HK$23,079
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,846/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$245,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,435
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,133
−HK$709/mo
Today · 4.125%
HK$23,842
baseline
▲ 0.50% · 4.625%
HK$25,293
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,684/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,959
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,629
−HK$679/mo
Today · 4.125%
HK$26,308
baseline
▲ 0.50% · 4.625%
HK$27,694
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,616/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$245,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,175
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,989
−HK$827/mo
Today · 4.125%
HK$27,816
baseline
▲ 0.50% · 4.625%
HK$29,509
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,632/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,119
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,900
−HK$792/mo
Today · 4.125%
HK$30,692
baseline
▲ 0.50% · 4.625%
HK$32,310
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,384/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$245,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,653
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,700
−HK$1,064/mo
Today · 4.125%
HK$35,764
baseline
▲ 0.50% · 4.625%
HK$37,940
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,528/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,439
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,443
−HK$1,019/mo
Today · 4.125%
HK$39,462
baseline
▲ 0.50% · 4.625%
HK$41,542
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,924/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$245,976 · Scale 2, in force from 26 Feb 2026)