LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,726
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,308
−HK$592/mo
Today · 4.125%
HK$19,900
baseline
▲ 0.50% · 4.625%
HK$21,111
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,800/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,832
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,391
−HK$566/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$246,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,471
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,170
−HK$710/mo
Today · 4.125%
HK$23,880
baseline
▲ 0.50% · 4.625%
HK$25,333
+HK$1,453/mo
Deposit HK$3.28M · loan HK$4.93M · min. income ≈ HK$47,760/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,998
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,669
−HK$680/mo
Today · 4.125%
HK$26,349
baseline
▲ 0.50% · 4.625%
HK$27,738
+HK$1,389/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$246,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,216
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,031
−HK$829/mo
Today · 4.125%
HK$27,860
baseline
▲ 0.50% · 4.625%
HK$29,555
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,720/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,165
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,947
−HK$793/mo
Today · 4.125%
HK$30,740
baseline
▲ 0.50% · 4.625%
HK$32,361
+HK$1,621/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$246,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,706
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,754
−HK$1,066/mo
Today · 4.125%
HK$35,820
baseline
▲ 0.50% · 4.625%
HK$37,999
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,640/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,361 · 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$41,607
+HK$2,084/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$246,361 · Scale 2, in force from 26 Feb 2026)