LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,860
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,446
−HK$596/mo
Today · 4.125%
HK$20,042
baseline
▲ 0.50% · 4.625%
HK$21,262
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,084/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,981
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,544
−HK$571/mo
Today · 4.125%
HK$22,115
baseline
▲ 0.50% · 4.625%
HK$23,280
+HK$1,165/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,230/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,632
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,336
−HK$715/mo
Today · 4.125%
HK$24,051
baseline
▲ 0.50% · 4.625%
HK$25,514
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,102/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,177
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,853
−HK$685/mo
Today · 4.125%
HK$26,538
baseline
▲ 0.50% · 4.625%
HK$27,937
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,076/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,404
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,225
−HK$834/mo
Today · 4.125%
HK$28,059
baseline
▲ 0.50% · 4.625%
HK$29,767
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,118/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,374
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,161
−HK$800/mo
Today · 4.125%
HK$30,961
baseline
▲ 0.50% · 4.625%
HK$32,593
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,922/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,947
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,003
−HK$1,073/mo
Today · 4.125%
HK$36,076
baseline
▲ 0.50% · 4.625%
HK$38,271
+HK$2,195/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,152/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,766
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,779
−HK$1,028/mo
Today · 4.125%
HK$39,807
baseline
▲ 0.50% · 4.625%
HK$41,905
+HK$2,098/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,614/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,126 · Scale 2, in force from 26 Feb 2026)