LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,843
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,429
−HK$596/mo
Today · 4.125%
HK$20,025
baseline
▲ 0.50% · 4.625%
HK$21,243
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,050/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,963
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,525
−HK$571/mo
Today · 4.125%
HK$22,096
baseline
▲ 0.50% · 4.625%
HK$23,260
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,192/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,612
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,315
−HK$715/mo
Today · 4.125%
HK$24,030
baseline
▲ 0.50% · 4.625%
HK$25,492
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,060/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,156
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,830
−HK$685/mo
Today · 4.125%
HK$26,515
baseline
▲ 0.50% · 4.625%
HK$27,912
+HK$1,397/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,030/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,381
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,201
−HK$834/mo
Today · 4.125%
HK$28,035
baseline
▲ 0.50% · 4.625%
HK$29,741
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,070/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,348
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,135
−HK$799/mo
Today · 4.125%
HK$30,934
baseline
▲ 0.50% · 4.625%
HK$32,564
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,868/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,918
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,973
−HK$1,072/mo
Today · 4.125%
HK$36,045
baseline
▲ 0.50% · 4.625%
HK$38,238
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,090/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,733
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,745
−HK$1,027/mo
Today · 4.125%
HK$39,772
baseline
▲ 0.50% · 4.625%
HK$41,868
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,544/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,911 · Scale 2, in force from 26 Feb 2026)