LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,709
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,291
−HK$592/mo
Today · 4.125%
HK$19,883
baseline
▲ 0.50% · 4.625%
HK$21,092
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,766/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,814
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,372
−HK$567/mo
Today · 4.125%
HK$21,939
baseline
▲ 0.50% · 4.625%
HK$23,095
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,878/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,451
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,150
−HK$709/mo
Today · 4.125%
HK$23,859
baseline
▲ 0.50% · 4.625%
HK$25,311
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,718/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,977
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,647
−HK$679/mo
Today · 4.125%
HK$26,326
baseline
▲ 0.50% · 4.625%
HK$27,714
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,652/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,193
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,008
−HK$828/mo
Today · 4.125%
HK$27,836
baseline
▲ 0.50% · 4.625%
HK$29,529
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,672/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,140
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,921
−HK$793/mo
Today · 4.125%
HK$30,714
baseline
▲ 0.50% · 4.625%
HK$32,333
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,428/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,677
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,725
−HK$1,064/mo
Today · 4.125%
HK$35,789
baseline
▲ 0.50% · 4.625%
HK$37,966
+HK$2,177/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,578/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,465
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,470
−HK$1,019/mo
Today · 4.125%
HK$39,489
baseline
▲ 0.50% · 4.625%
HK$41,571
+HK$2,082/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,978/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,149 · Scale 2, in force from 26 Feb 2026)