LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,708
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,289
−HK$592/mo
Today · 4.125%
HK$19,881
baseline
▲ 0.50% · 4.625%
HK$21,090
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,762/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,812
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,370
−HK$566/mo
Today · 4.125%
HK$21,936
baseline
▲ 0.50% · 4.625%
HK$23,093
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,872/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,449
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,147
−HK$710/mo
Today · 4.125%
HK$23,857
baseline
▲ 0.50% · 4.625%
HK$25,308
+HK$1,451/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,714/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,974
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,644
−HK$680/mo
Today · 4.125%
HK$26,324
baseline
▲ 0.50% · 4.625%
HK$27,711
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,648/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,191
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,005
−HK$828/mo
Today · 4.125%
HK$27,833
baseline
▲ 0.50% · 4.625%
HK$29,526
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,666/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,137
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,918
−HK$793/mo
Today · 4.125%
HK$30,711
baseline
▲ 0.50% · 4.625%
HK$32,330
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,422/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,674
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,721
−HK$1,064/mo
Today · 4.125%
HK$35,785
baseline
▲ 0.50% · 4.625%
HK$37,963
+HK$2,178/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,570/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,461
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,466
−HK$1,019/mo
Today · 4.125%
HK$39,485
baseline
▲ 0.50% · 4.625%
HK$41,567
+HK$2,082/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,970/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,124 · Scale 2, in force from 26 Feb 2026)