LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,698
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,280
−HK$591/mo
Today · 4.125%
HK$19,871
baseline
▲ 0.50% · 4.625%
HK$21,080
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,742/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,802
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,360
−HK$565/mo
Today · 4.125%
HK$21,925
baseline
▲ 0.50% · 4.625%
HK$23,081
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,850/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,438
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,136
−HK$709/mo
Today · 4.125%
HK$23,845
baseline
▲ 0.50% · 4.625%
HK$25,296
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,690/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,962
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,631
−HK$680/mo
Today · 4.125%
HK$26,311
baseline
▲ 0.50% · 4.625%
HK$27,697
+HK$1,386/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,622/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,992
−HK$827/mo
Today · 4.125%
HK$27,819
baseline
▲ 0.50% · 4.625%
HK$29,512
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,638/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,122
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,903
−HK$793/mo
Today · 4.125%
HK$30,696
baseline
▲ 0.50% · 4.625%
HK$32,314
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,392/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,657
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,704
−HK$1,063/mo
Today · 4.125%
HK$35,767
baseline
▲ 0.50% · 4.625%
HK$37,944
+HK$2,177/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,534/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,443
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,447
−HK$1,019/mo
Today · 4.125%
HK$39,466
baseline
▲ 0.50% · 4.625%
HK$41,546
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,932/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,003 · Scale 2, in force from 26 Feb 2026)