LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,720
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,302
−HK$592/mo
Today · 4.125%
HK$19,894
baseline
▲ 0.50% · 4.625%
HK$21,104
+HK$1,210/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,788/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,825
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,384
−HK$567/mo
Today · 4.125%
HK$21,951
baseline
▲ 0.50% · 4.625%
HK$23,108
+HK$1,157/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,902/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,464
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,162
−HK$710/mo
Today · 4.125%
HK$23,872
baseline
▲ 0.50% · 4.625%
HK$25,325
+HK$1,453/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,744/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,991
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,661
−HK$680/mo
Today · 4.125%
HK$26,341
baseline
▲ 0.50% · 4.625%
HK$27,729
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,682/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,208
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,023
−HK$828/mo
Today · 4.125%
HK$27,851
baseline
▲ 0.50% · 4.625%
HK$29,546
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,702/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,156
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,938
−HK$793/mo
Today · 4.125%
HK$30,731
baseline
▲ 0.50% · 4.625%
HK$32,351
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,462/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,695
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,744
−HK$1,064/mo
Today · 4.125%
HK$35,808
baseline
▲ 0.50% · 4.625%
HK$37,987
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,616/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,486
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,491
−HK$1,020/mo
Today · 4.125%
HK$39,511
baseline
▲ 0.50% · 4.625%
HK$41,594
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,022/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,284 · Scale 2, in force from 26 Feb 2026)