LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,703
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,285
−HK$591/mo
Today · 4.125%
HK$19,876
baseline
▲ 0.50% · 4.625%
HK$21,085
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,752/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,807
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,365
−HK$566/mo
Today · 4.125%
HK$21,931
baseline
▲ 0.50% · 4.625%
HK$23,087
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,862/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,444
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$709/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,302
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,968
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,638
−HK$679/mo
Today · 4.125%
HK$26,317
baseline
▲ 0.50% · 4.625%
HK$27,704
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,634/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,184
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,999
−HK$827/mo
Today · 4.125%
HK$27,826
baseline
▲ 0.50% · 4.625%
HK$29,519
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,652/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,130
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,911
−HK$792/mo
Today · 4.125%
HK$30,703
baseline
▲ 0.50% · 4.625%
HK$32,322
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,406/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,665
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,712
−HK$1,064/mo
Today · 4.125%
HK$35,776
baseline
▲ 0.50% · 4.625%
HK$37,953
+HK$2,177/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,552/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,452
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,457
−HK$1,019/mo
Today · 4.125%
HK$39,476
baseline
▲ 0.50% · 4.625%
HK$41,557
+HK$2,081/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,952/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,064 · Scale 2, in force from 26 Feb 2026)