LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,849
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,435
−HK$596/mo
Today · 4.125%
HK$20,031
baseline
▲ 0.50% · 4.625%
HK$21,250
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,062/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,969
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,532
−HK$570/mo
Today · 4.125%
HK$22,102
baseline
▲ 0.50% · 4.625%
HK$23,267
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,204/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,619
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,322
−HK$715/mo
Today · 4.125%
HK$24,037
baseline
▲ 0.50% · 4.625%
HK$25,500
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,074/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,163
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,838
−HK$684/mo
Today · 4.125%
HK$26,522
baseline
▲ 0.50% · 4.625%
HK$27,921
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,044/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,388
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,209
−HK$834/mo
Today · 4.125%
HK$28,043
baseline
▲ 0.50% · 4.625%
HK$29,750
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,086/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,357
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,144
−HK$799/mo
Today · 4.125%
HK$30,943
baseline
▲ 0.50% · 4.625%
HK$32,574
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,886/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,928
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,983
−HK$1,073/mo
Today · 4.125%
HK$36,056
baseline
▲ 0.50% · 4.625%
HK$38,249
+HK$2,193/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,112/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,744
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,757
−HK$1,027/mo
Today · 4.125%
HK$39,784
baseline
▲ 0.50% · 4.625%
HK$41,881
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,568/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,984 · Scale 2, in force from 26 Feb 2026)