LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,768
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,352
−HK$593/mo
Today · 4.125%
HK$19,945
baseline
▲ 0.50% · 4.625%
HK$21,159
+HK$1,214/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,890/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,880
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,439
−HK$569/mo
Today · 4.125%
HK$22,008
baseline
▲ 0.50% · 4.625%
HK$23,168
+HK$1,160/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,016/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$246,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,522
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,222
−HK$712/mo
Today · 4.125%
HK$23,934
baseline
▲ 0.50% · 4.625%
HK$25,391
+HK$1,457/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$47,868/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,055
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,727
−HK$682/mo
Today · 4.125%
HK$26,409
baseline
▲ 0.50% · 4.625%
HK$27,801
+HK$1,392/mo
Deposit HK$3.29M · loan HK$4.94M · min. income ≈ HK$52,818/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$246,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,276
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,093
−HK$830/mo
Today · 4.125%
HK$27,923
baseline
▲ 0.50% · 4.625%
HK$29,622
+HK$1,699/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$55,846/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,231
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,015
−HK$796/mo
Today · 4.125%
HK$30,811
baseline
▲ 0.50% · 4.625%
HK$32,435
+HK$1,624/mo
Deposit HK$2.47M · loan HK$5.76M · min. income ≈ HK$61,622/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$246,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,783
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,834
−HK$1,067/mo
Today · 4.125%
HK$35,901
baseline
▲ 0.50% · 4.625%
HK$38,086
+HK$2,185/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$71,802/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,583
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,591
−HK$1,023/mo
Today · 4.125%
HK$39,614
baseline
▲ 0.50% · 4.625%
HK$41,702
+HK$2,088/mo
Deposit HK$823K · loan HK$7.41M · min. income ≈ HK$79,228/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,924 · Scale 2, in force from 26 Feb 2026)