LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,725
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,308
−HK$591/mo
Today · 4.125%
HK$19,899
baseline
▲ 0.50% · 4.625%
HK$21,110
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,798/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,832
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,390
−HK$567/mo
Today · 4.125%
HK$21,957
baseline
▲ 0.50% · 4.625%
HK$23,115
+HK$1,158/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,914/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,470
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,169
−HK$710/mo
Today · 4.125%
HK$23,879
baseline
▲ 0.50% · 4.625%
HK$25,332
+HK$1,453/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,758/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,998
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,668
−HK$681/mo
Today · 4.125%
HK$26,349
baseline
▲ 0.50% · 4.625%
HK$27,737
+HK$1,388/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$52,698/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,215
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,031
−HK$828/mo
Today · 4.125%
HK$27,859
baseline
▲ 0.50% · 4.625%
HK$29,554
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,718/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,164
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,946
−HK$794/mo
Today · 4.125%
HK$30,740
baseline
▲ 0.50% · 4.625%
HK$32,360
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,480/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,705
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,754
−HK$1,065/mo
Today · 4.125%
HK$35,819
baseline
▲ 0.50% · 4.625%
HK$37,999
+HK$2,180/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,638/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,497
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,503
−HK$1,020/mo
Today · 4.125%
HK$39,523
baseline
▲ 0.50% · 4.625%
HK$41,606
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,046/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,358 · Scale 2, in force from 26 Feb 2026)