LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,851
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,437
−HK$596/mo
Today · 4.125%
HK$20,033
baseline
▲ 0.50% · 4.625%
HK$21,252
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,066/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,972
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,534
−HK$571/mo
Today · 4.125%
HK$22,105
baseline
▲ 0.50% · 4.625%
HK$23,270
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,210/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,621
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,325
−HK$715/mo
Today · 4.125%
HK$24,040
baseline
▲ 0.50% · 4.625%
HK$25,503
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,080/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$248,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,166
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$25,841
−HK$685/mo
Today · 4.125%
HK$26,526
baseline
▲ 0.50% · 4.625%
HK$27,924
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,052/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$248,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,392
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,212
−HK$834/mo
Today · 4.125%
HK$28,046
baseline
▲ 0.50% · 4.625%
HK$29,753
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,092/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,360
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,148
−HK$799/mo
Today · 4.125%
HK$30,947
baseline
▲ 0.50% · 4.625%
HK$32,578
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,894/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,932
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,987
−HK$1,073/mo
Today · 4.125%
HK$36,060
baseline
▲ 0.50% · 4.625%
HK$38,254
+HK$2,194/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,120/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,749
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,761
−HK$1,027/mo
Today · 4.125%
HK$39,788
baseline
▲ 0.50% · 4.625%
HK$41,886
+HK$2,098/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,576/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$248,013 · Scale 2, in force from 26 Feb 2026)