LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,699
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,281
−HK$590/mo
Today · 4.125%
HK$19,871
baseline
▲ 0.50% · 4.625%
HK$21,081
+HK$1,210/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$246,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,802
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,360
−HK$566/mo
Today · 4.125%
HK$21,926
baseline
▲ 0.50% · 4.625%
HK$23,082
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,852/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,439
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,137
−HK$709/mo
Today · 4.125%
HK$23,846
baseline
▲ 0.50% · 4.625%
HK$25,297
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,692/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,963
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,632
−HK$679/mo
Today · 4.125%
HK$26,311
baseline
▲ 0.50% · 4.625%
HK$27,698
+HK$1,387/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$246,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,993
−HK$827/mo
Today · 4.125%
HK$27,820
baseline
▲ 0.50% · 4.625%
HK$29,513
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,640/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,123
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$793/mo
Today · 4.125%
HK$30,697
baseline
▲ 0.50% · 4.625%
HK$32,315
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,394/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,658
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,705
−HK$1,064/mo
Today · 4.125%
HK$35,769
baseline
▲ 0.50% · 4.625%
HK$37,945
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,538/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,444
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,448
−HK$1,019/mo
Today · 4.125%
HK$39,467
baseline
▲ 0.50% · 4.625%
HK$41,548
+HK$2,081/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,934/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,011 · Scale 2, in force from 26 Feb 2026)