LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,806
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,391
−HK$595/mo
Today · 4.125%
HK$19,986
baseline
▲ 0.50% · 4.625%
HK$21,202
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,972/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,922
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,483
−HK$569/mo
Today · 4.125%
HK$22,052
baseline
▲ 0.50% · 4.625%
HK$23,215
+HK$1,163/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,104/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,568
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,270
−HK$713/mo
Today · 4.125%
HK$23,983
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,966/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,106
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,780
−HK$683/mo
Today · 4.125%
HK$26,463
baseline
▲ 0.50% · 4.625%
HK$27,858
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,926/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,329
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$832/mo
Today · 4.125%
HK$27,980
baseline
▲ 0.50% · 4.625%
HK$29,682
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,960/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,291
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,076
−HK$797/mo
Today · 4.125%
HK$30,873
baseline
▲ 0.50% · 4.625%
HK$32,500
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,746/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,851
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,904
−HK$1,070/mo
Today · 4.125%
HK$35,974
baseline
▲ 0.50% · 4.625%
HK$38,163
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,948/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,659
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,669
−HK$1,025/mo
Today · 4.125%
HK$39,694
baseline
▲ 0.50% · 4.625%
HK$41,786
+HK$2,092/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,388/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,425 · Scale 2, in force from 26 Feb 2026)