LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,810
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,395
−HK$594/mo
Today · 4.125%
HK$19,989
baseline
▲ 0.50% · 4.625%
HK$21,206
+HK$1,217/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,978/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,926
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,487
−HK$569/mo
Today · 4.125%
HK$22,056
baseline
▲ 0.50% · 4.625%
HK$23,219
+HK$1,163/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,112/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,572
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,274
−HK$713/mo
Today · 4.125%
HK$23,987
baseline
▲ 0.50% · 4.625%
HK$25,447
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,974/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,111
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,784
−HK$684/mo
Today · 4.125%
HK$26,468
baseline
▲ 0.50% · 4.625%
HK$27,863
+HK$1,395/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,936/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,334
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,153
−HK$832/mo
Today · 4.125%
HK$27,985
baseline
▲ 0.50% · 4.625%
HK$29,688
+HK$1,703/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,970/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,296
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,082
−HK$797/mo
Today · 4.125%
HK$30,879
baseline
▲ 0.50% · 4.625%
HK$32,507
+HK$1,628/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,758/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,858
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,911
−HK$1,070/mo
Today · 4.125%
HK$35,981
baseline
▲ 0.50% · 4.625%
HK$38,170
+HK$2,189/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$71,962/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,666
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,677
−HK$1,024/mo
Today · 4.125%
HK$39,701
baseline
▲ 0.50% · 4.625%
HK$41,794
+HK$2,093/mo
Deposit HK$825K · loan HK$7.42M · min. income ≈ HK$79,402/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,471 · Scale 2, in force from 26 Feb 2026)