LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,841
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,428
−HK$595/mo
Today · 4.125%
HK$20,023
baseline
▲ 0.50% · 4.625%
HK$21,241
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,046/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,961
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,523
−HK$570/mo
Today · 4.125%
HK$22,093
baseline
▲ 0.50% · 4.625%
HK$23,258
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,186/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,610
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,313
−HK$715/mo
Today · 4.125%
HK$24,028
baseline
▲ 0.50% · 4.625%
HK$25,490
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,056/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,153
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,828
−HK$684/mo
Today · 4.125%
HK$26,512
baseline
▲ 0.50% · 4.625%
HK$27,910
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,024/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,378
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,199
−HK$833/mo
Today · 4.125%
HK$28,032
baseline
▲ 0.50% · 4.625%
HK$29,738
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,064/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,345
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,132
−HK$799/mo
Today · 4.125%
HK$30,931
baseline
▲ 0.50% · 4.625%
HK$32,561
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,862/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,915
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,970
−HK$1,071/mo
Today · 4.125%
HK$36,041
baseline
▲ 0.50% · 4.625%
HK$38,234
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,082/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,730
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,742
−HK$1,026/mo
Today · 4.125%
HK$39,768
baseline
▲ 0.50% · 4.625%
HK$41,864
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,536/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,886 · Scale 2, in force from 26 Feb 2026)