LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,830
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,415
−HK$596/mo
Today · 4.125%
HK$20,011
baseline
▲ 0.50% · 4.625%
HK$21,228
+HK$1,217/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,022/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,948
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,510
−HK$570/mo
Today · 4.125%
HK$22,080
baseline
▲ 0.50% · 4.625%
HK$23,244
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,160/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,596
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,299
−HK$714/mo
Today · 4.125%
HK$24,013
baseline
▲ 0.50% · 4.625%
HK$25,474
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$48,026/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,138
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,812
−HK$684/mo
Today · 4.125%
HK$26,496
baseline
▲ 0.50% · 4.625%
HK$27,892
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,992/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,362
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,182
−HK$833/mo
Today · 4.125%
HK$28,015
baseline
▲ 0.50% · 4.625%
HK$29,719
+HK$1,704/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,030/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,327
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,114
−HK$798/mo
Today · 4.125%
HK$30,912
baseline
▲ 0.50% · 4.625%
HK$32,541
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,824/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,894
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,948
−HK$1,071/mo
Today · 4.125%
HK$36,019
baseline
▲ 0.50% · 4.625%
HK$38,211
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,038/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,706
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,718
−HK$1,025/mo
Today · 4.125%
HK$39,743
baseline
▲ 0.50% · 4.625%
HK$41,838
+HK$2,095/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,486/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,733 · Scale 2, in force from 26 Feb 2026)