LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,713
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,295
−HK$591/mo
Today · 4.125%
HK$19,886
baseline
▲ 0.50% · 4.625%
HK$21,096
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,772/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,818
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$567/mo
Today · 4.125%
HK$21,943
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,886/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,455
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,154
−HK$710/mo
Today · 4.125%
HK$23,864
baseline
▲ 0.50% · 4.625%
HK$25,316
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,728/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,981
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,651
−HK$680/mo
Today · 4.125%
HK$26,331
baseline
▲ 0.50% · 4.625%
HK$27,719
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,662/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,198
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,013
−HK$828/mo
Today · 4.125%
HK$27,841
baseline
▲ 0.50% · 4.625%
HK$29,535
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,682/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,145
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,927
−HK$793/mo
Today · 4.125%
HK$30,720
baseline
▲ 0.50% · 4.625%
HK$32,339
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,440/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,683
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,731
−HK$1,064/mo
Today · 4.125%
HK$35,795
baseline
▲ 0.50% · 4.625%
HK$37,973
+HK$2,178/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,590/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,472
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,477
−HK$1,020/mo
Today · 4.125%
HK$39,497
baseline
▲ 0.50% · 4.625%
HK$41,579
+HK$2,082/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$78,994/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,194 · Scale 2, in force from 26 Feb 2026)