LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,700
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,282
−HK$591/mo
Today · 4.125%
HK$19,873
baseline
▲ 0.50% · 4.625%
HK$21,082
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,746/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,804
−HK$1,123/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$246,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,440
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,138
−HK$709/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$246,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,964
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,634
−HK$679/mo
Today · 4.125%
HK$26,313
baseline
▲ 0.50% · 4.625%
HK$27,700
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,626/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,180
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,994
−HK$828/mo
Today · 4.125%
HK$27,822
baseline
▲ 0.50% · 4.625%
HK$29,515
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,644/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,125
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,906
−HK$792/mo
Today · 4.125%
HK$30,698
baseline
▲ 0.50% · 4.625%
HK$32,317
+HK$1,619/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$246,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,660
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,707
−HK$1,064/mo
Today · 4.125%
HK$35,771
baseline
▲ 0.50% · 4.625%
HK$37,947
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,542/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,446
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,451
−HK$1,018/mo
Today · 4.125%
HK$39,469
baseline
▲ 0.50% · 4.625%
HK$41,550
+HK$2,081/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$246,025 · Scale 2, in force from 26 Feb 2026)