LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,848
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$596/mo
Today · 4.125%
HK$20,030
baseline
▲ 0.50% · 4.625%
HK$21,248
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,060/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,968
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,530
−HK$571/mo
Today · 4.125%
HK$22,101
baseline
▲ 0.50% · 4.625%
HK$23,266
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,202/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,617
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,321
−HK$715/mo
Today · 4.125%
HK$24,036
baseline
▲ 0.50% · 4.625%
HK$25,498
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,072/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,161
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,836
−HK$685/mo
Today · 4.125%
HK$26,521
baseline
▲ 0.50% · 4.625%
HK$27,919
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,042/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,387
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,208
−HK$833/mo
Today · 4.125%
HK$28,041
baseline
▲ 0.50% · 4.625%
HK$29,748
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,082/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,355
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,142
−HK$799/mo
Today · 4.125%
HK$30,941
baseline
▲ 0.50% · 4.625%
HK$32,572
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,882/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,926
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,981
−HK$1,072/mo
Today · 4.125%
HK$36,053
baseline
▲ 0.50% · 4.625%
HK$38,247
+HK$2,194/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,106/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,742
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,754
−HK$1,027/mo
Today · 4.125%
HK$39,781
baseline
▲ 0.50% · 4.625%
HK$41,878
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,562/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,969 · Scale 2, in force from 26 Feb 2026)