LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,728
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,310
−HK$592/mo
Today · 4.125%
HK$19,902
baseline
▲ 0.50% · 4.625%
HK$21,113
+HK$1,211/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,804/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,834
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,393
−HK$567/mo
Today · 4.125%
HK$21,960
baseline
▲ 0.50% · 4.625%
HK$23,117
+HK$1,157/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,920/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,473
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,172
−HK$710/mo
Today · 4.125%
HK$23,882
baseline
▲ 0.50% · 4.625%
HK$25,336
+HK$1,454/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,764/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,001
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,672
−HK$680/mo
Today · 4.125%
HK$26,352
baseline
▲ 0.50% · 4.625%
HK$27,741
+HK$1,389/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,704/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,219
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$27,034
−HK$829/mo
Today · 4.125%
HK$27,863
baseline
▲ 0.50% · 4.625%
HK$29,558
+HK$1,695/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$55,726/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,168
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$29,950
−HK$794/mo
Today · 4.125%
HK$30,744
baseline
▲ 0.50% · 4.625%
HK$32,364
+HK$1,620/mo
Deposit HK$2.46M · loan HK$5.75M · min. income ≈ HK$61,488/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,710
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,758
−HK$1,066/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$38,003
+HK$2,179/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,502
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,507
−HK$1,021/mo
Today · 4.125%
HK$39,528
baseline
▲ 0.50% · 4.625%
HK$41,611
+HK$2,083/mo
Deposit HK$821K · loan HK$7.39M · min. income ≈ HK$79,056/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,388 · Scale 2, in force from 26 Feb 2026)