LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,718
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,300
−HK$592/mo
Today · 4.125%
HK$19,892
baseline
▲ 0.50% · 4.625%
HK$21,102
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,784/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,824
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,382
−HK$567/mo
Today · 4.125%
HK$21,949
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,898/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,462
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,160
−HK$710/mo
Today · 4.125%
HK$23,870
baseline
▲ 0.50% · 4.625%
HK$25,323
+HK$1,453/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,740/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,988
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,659
−HK$679/mo
Today · 4.125%
HK$26,338
baseline
▲ 0.50% · 4.625%
HK$27,727
+HK$1,389/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,676/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,205
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,020
−HK$829/mo
Today · 4.125%
HK$27,849
baseline
▲ 0.50% · 4.625%
HK$29,543
+HK$1,694/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,698/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,153
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,935
−HK$793/mo
Today · 4.125%
HK$30,728
baseline
▲ 0.50% · 4.625%
HK$32,348
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,456/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,692
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,740
−HK$1,065/mo
Today · 4.125%
HK$35,805
baseline
▲ 0.50% · 4.625%
HK$37,984
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,610/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,483
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,488
−HK$1,020/mo
Today · 4.125%
HK$39,508
baseline
▲ 0.50% · 4.625%
HK$41,590
+HK$2,082/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,016/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,263 · Scale 2, in force from 26 Feb 2026)