LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,828
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,414
−HK$595/mo
Today · 4.125%
HK$20,009
baseline
▲ 0.50% · 4.625%
HK$21,227
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,018/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,946
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,508
−HK$570/mo
Today · 4.125%
HK$22,078
baseline
▲ 0.50% · 4.625%
HK$23,242
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,156/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,594
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,297
−HK$714/mo
Today · 4.125%
HK$24,011
baseline
▲ 0.50% · 4.625%
HK$25,472
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,022/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,136
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,810
−HK$684/mo
Today · 4.125%
HK$26,494
baseline
▲ 0.50% · 4.625%
HK$27,890
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,988/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,360
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,180
−HK$833/mo
Today · 4.125%
HK$28,013
baseline
▲ 0.50% · 4.625%
HK$29,717
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,026/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,325
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,111
−HK$798/mo
Today · 4.125%
HK$30,909
baseline
▲ 0.50% · 4.625%
HK$32,538
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,818/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,891
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,945
−HK$1,071/mo
Today · 4.125%
HK$36,016
baseline
▲ 0.50% · 4.625%
HK$38,208
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,032/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,703
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,715
−HK$1,025/mo
Today · 4.125%
HK$39,740
baseline
▲ 0.50% · 4.625%
HK$41,835
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,480/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,714 · Scale 2, in force from 26 Feb 2026)