LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,820
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,406
−HK$594/mo
Today · 4.125%
HK$20,000
baseline
▲ 0.50% · 4.625%
HK$21,217
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,000/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,937
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,499
−HK$570/mo
Today · 4.125%
HK$22,069
baseline
▲ 0.50% · 4.625%
HK$23,232
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,138/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,584
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,287
−HK$714/mo
Today · 4.125%
HK$24,001
baseline
▲ 0.50% · 4.625%
HK$25,461
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,002/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,125
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,799
−HK$683/mo
Today · 4.125%
HK$26,482
baseline
▲ 0.50% · 4.625%
HK$27,878
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,964/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,348
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,168
−HK$833/mo
Today · 4.125%
HK$28,001
baseline
▲ 0.50% · 4.625%
HK$29,704
+HK$1,703/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,002/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,312
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,098
−HK$798/mo
Today · 4.125%
HK$30,896
baseline
▲ 0.50% · 4.625%
HK$32,525
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,792/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,876
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,930
−HK$1,071/mo
Today · 4.125%
HK$36,001
baseline
▲ 0.50% · 4.625%
HK$38,191
+HK$2,190/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$72,002/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,687
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,698
−HK$1,025/mo
Today · 4.125%
HK$39,723
baseline
▲ 0.50% · 4.625%
HK$41,817
+HK$2,094/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,446/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,608 · Scale 2, in force from 26 Feb 2026)