LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,700
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,281
−HK$591/mo
Today · 4.125%
HK$19,872
baseline
▲ 0.50% · 4.625%
HK$21,081
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,744/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,803
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,361
−HK$566/mo
Today · 4.125%
HK$21,927
baseline
▲ 0.50% · 4.625%
HK$23,083
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,854/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,439
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,137
−HK$710/mo
Today · 4.125%
HK$23,847
baseline
▲ 0.50% · 4.625%
HK$25,298
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,694/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,964
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,633
−HK$679/mo
Today · 4.125%
HK$26,312
baseline
▲ 0.50% · 4.625%
HK$27,699
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,624/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,179
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,994
−HK$827/mo
Today · 4.125%
HK$27,821
baseline
▲ 0.50% · 4.625%
HK$29,514
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,642/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,124
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,905
−HK$793/mo
Today · 4.125%
HK$30,698
baseline
▲ 0.50% · 4.625%
HK$32,316
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,396/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,659
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,706
−HK$1,064/mo
Today · 4.125%
HK$35,770
baseline
▲ 0.50% · 4.625%
HK$37,946
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,540/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,445
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,450
−HK$1,019/mo
Today · 4.125%
HK$39,469
baseline
▲ 0.50% · 4.625%
HK$41,549
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,938/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,019 · Scale 2, in force from 26 Feb 2026)