LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,793
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,377
−HK$594/mo
Today · 4.125%
HK$19,971
baseline
▲ 0.50% · 4.625%
HK$21,186
+HK$1,215/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,942/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,907
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,467
−HK$569/mo
Today · 4.125%
HK$22,036
baseline
▲ 0.50% · 4.625%
HK$23,198
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,072/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,551
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,253
−HK$712/mo
Today · 4.125%
HK$23,965
baseline
▲ 0.50% · 4.625%
HK$25,424
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$47,930/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,088
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,761
−HK$682/mo
Today · 4.125%
HK$26,443
baseline
▲ 0.50% · 4.625%
HK$27,837
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.94M · min. income ≈ HK$52,886/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,310
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,128
−HK$832/mo
Today · 4.125%
HK$27,960
baseline
▲ 0.50% · 4.625%
HK$29,661
+HK$1,701/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,920/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,269
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,054
−HK$797/mo
Today · 4.125%
HK$30,851
baseline
▲ 0.50% · 4.625%
HK$32,477
+HK$1,626/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,702/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,827
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,879
−HK$1,069/mo
Today · 4.125%
HK$35,948
baseline
▲ 0.50% · 4.625%
HK$38,135
+HK$2,187/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,896/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,632
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,641
−HK$1,024/mo
Today · 4.125%
HK$39,665
baseline
▲ 0.50% · 4.625%
HK$41,756
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,330/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,245 · Scale 2, in force from 26 Feb 2026)