LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,863
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,450
−HK$596/mo
Today · 4.125%
HK$20,046
baseline
▲ 0.50% · 4.625%
HK$21,266
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,092/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,985
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,548
−HK$571/mo
Today · 4.125%
HK$22,119
baseline
▲ 0.50% · 4.625%
HK$23,285
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,238/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,636
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,340
−HK$716/mo
Today · 4.125%
HK$24,056
baseline
▲ 0.50% · 4.625%
HK$25,519
+HK$1,463/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,112/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,182
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,858
−HK$685/mo
Today · 4.125%
HK$26,543
baseline
▲ 0.50% · 4.625%
HK$27,942
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,086/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,409
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,230
−HK$835/mo
Today · 4.125%
HK$28,065
baseline
▲ 0.50% · 4.625%
HK$29,772
+HK$1,707/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,130/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,379
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,167
−HK$800/mo
Today · 4.125%
HK$30,967
baseline
▲ 0.50% · 4.625%
HK$32,599
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,934/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,954
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,010
−HK$1,073/mo
Today · 4.125%
HK$36,083
baseline
▲ 0.50% · 4.625%
HK$38,279
+HK$2,196/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$72,166/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,774
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,787
−HK$1,027/mo
Today · 4.125%
HK$39,814
baseline
▲ 0.50% · 4.625%
HK$41,913
+HK$2,099/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$79,628/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,175 · Scale 2, in force from 26 Feb 2026)