LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,831
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,417
−HK$595/mo
Today · 4.125%
HK$20,012
baseline
▲ 0.50% · 4.625%
HK$21,230
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,024/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,950
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,511
−HK$570/mo
Today · 4.125%
HK$22,081
baseline
▲ 0.50% · 4.625%
HK$23,245
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,162/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,597
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,300
−HK$714/mo
Today · 4.125%
HK$24,014
baseline
▲ 0.50% · 4.625%
HK$25,476
+HK$1,462/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,028/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,139
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,814
−HK$684/mo
Today · 4.125%
HK$26,498
baseline
▲ 0.50% · 4.625%
HK$27,894
+HK$1,396/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$52,996/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,364
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,184
−HK$833/mo
Today · 4.125%
HK$28,017
baseline
▲ 0.50% · 4.625%
HK$29,722
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,034/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,329
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,116
−HK$798/mo
Today · 4.125%
HK$30,914
baseline
▲ 0.50% · 4.625%
HK$32,543
+HK$1,629/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,828/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,896
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,951
−HK$1,071/mo
Today · 4.125%
HK$36,022
baseline
▲ 0.50% · 4.625%
HK$38,214
+HK$2,192/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,044/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,709
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,720
−HK$1,026/mo
Today · 4.125%
HK$39,746
baseline
▲ 0.50% · 4.625%
HK$41,842
+HK$2,096/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,492/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,751 · Scale 2, in force from 26 Feb 2026)