LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,747
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,330
−HK$592/mo
Today · 4.125%
HK$19,922
baseline
▲ 0.50% · 4.625%
HK$21,134
+HK$1,212/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$39,844/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,855
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,415
−HK$567/mo
Today · 4.125%
HK$21,982
baseline
▲ 0.50% · 4.625%
HK$23,141
+HK$1,159/mo
Deposit HK$4.11M · loan HK$4.11M · min. income ≈ HK$43,964/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,496
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,196
−HK$710/mo
Today · 4.125%
HK$23,906
baseline
▲ 0.50% · 4.625%
HK$25,361
+HK$1,455/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$47,812/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,026
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,698
−HK$680/mo
Today · 4.125%
HK$26,378
baseline
▲ 0.50% · 4.625%
HK$27,769
+HK$1,391/mo
Deposit HK$3.29M · loan HK$4.93M · min. income ≈ HK$52,756/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,245
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,061
−HK$830/mo
Today · 4.125%
HK$27,891
baseline
▲ 0.50% · 4.625%
HK$29,588
+HK$1,697/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$55,782/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,197
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,980
−HK$795/mo
Today · 4.125%
HK$30,775
baseline
▲ 0.50% · 4.625%
HK$32,397
+HK$1,622/mo
Deposit HK$2.47M · loan HK$5.75M · min. income ≈ HK$61,550/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,744
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,793
−HK$1,067/mo
Today · 4.125%
HK$35,860
baseline
▲ 0.50% · 4.625%
HK$38,042
+HK$2,182/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$71,720/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,540
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,546
−HK$1,022/mo
Today · 4.125%
HK$39,568
baseline
▲ 0.50% · 4.625%
HK$41,653
+HK$2,085/mo
Deposit HK$822K · loan HK$7.40M · min. income ≈ HK$79,136/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,637 · Scale 2, in force from 26 Feb 2026)