LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,821
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,407
−HK$594/mo
Today · 4.125%
HK$20,001
baseline
▲ 0.50% · 4.625%
HK$21,218
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,002/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,938
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,500
−HK$570/mo
Today · 4.125%
HK$22,070
baseline
▲ 0.50% · 4.625%
HK$23,233
+HK$1,163/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,140/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,585
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,288
−HK$714/mo
Today · 4.125%
HK$24,002
baseline
▲ 0.50% · 4.625%
HK$25,462
+HK$1,460/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,004/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,126
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$25,800
−HK$683/mo
Today · 4.125%
HK$26,483
baseline
▲ 0.50% · 4.625%
HK$27,879
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,966/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,350
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,169
−HK$833/mo
Today · 4.125%
HK$28,002
baseline
▲ 0.50% · 4.625%
HK$29,706
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,004/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,314
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,100
−HK$797/mo
Today · 4.125%
HK$30,897
baseline
▲ 0.50% · 4.625%
HK$32,526
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,794/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,878
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,932
−HK$1,070/mo
Today · 4.125%
HK$36,002
baseline
▲ 0.50% · 4.625%
HK$38,193
+HK$2,191/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$72,004/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,689
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,700
−HK$1,025/mo
Today · 4.125%
HK$39,725
baseline
▲ 0.50% · 4.625%
HK$41,819
+HK$2,094/mo
Deposit HK$825K · loan HK$7.43M · min. income ≈ HK$79,450/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,619 · Scale 2, in force from 26 Feb 2026)