LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,716
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,298
−HK$592/mo
Today · 4.125%
HK$19,890
baseline
▲ 0.50% · 4.625%
HK$21,100
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,780/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,821
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,380
−HK$566/mo
Today · 4.125%
HK$21,946
baseline
▲ 0.50% · 4.625%
HK$23,103
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,892/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,459
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,158
−HK$710/mo
Today · 4.125%
HK$23,868
baseline
▲ 0.50% · 4.625%
HK$25,320
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,736/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,986
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,656
−HK$680/mo
Today · 4.125%
HK$26,336
baseline
▲ 0.50% · 4.625%
HK$27,724
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,672/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,202
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,018
−HK$828/mo
Today · 4.125%
HK$27,846
baseline
▲ 0.50% · 4.625%
HK$29,540
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,692/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,150
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,932
−HK$793/mo
Today · 4.125%
HK$30,725
baseline
▲ 0.50% · 4.625%
HK$32,344
+HK$1,619/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,450/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,689
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,737
−HK$1,064/mo
Today · 4.125%
HK$35,801
baseline
▲ 0.50% · 4.625%
HK$37,980
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,602/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,479
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,484
−HK$1,019/mo
Today · 4.125%
HK$39,503
baseline
▲ 0.50% · 4.625%
HK$41,586
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,006/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,237 · Scale 2, in force from 26 Feb 2026)