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$246,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,804
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,362
−HK$566/mo
Today · 4.125%
HK$21,928
baseline
▲ 0.50% · 4.625%
HK$23,084
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,856/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,440
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,138
−HK$710/mo
Today · 4.125%
HK$23,848
baseline
▲ 0.50% · 4.625%
HK$25,299
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,696/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,965
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,634
−HK$680/mo
Today · 4.125%
HK$26,314
baseline
▲ 0.50% · 4.625%
HK$27,701
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,628/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,181
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,995
−HK$827/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$246,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,126
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,907
−HK$792/mo
Today · 4.125%
HK$30,699
baseline
▲ 0.50% · 4.625%
HK$32,317
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,398/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,661
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,708
−HK$1,064/mo
Today · 4.125%
HK$35,772
baseline
▲ 0.50% · 4.625%
HK$37,948
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,544/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,447
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,451
−HK$1,019/mo
Today · 4.125%
HK$39,470
baseline
▲ 0.50% · 4.625%
HK$41,551
+HK$2,081/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,940/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,030 · Scale 2, in force from 26 Feb 2026)