LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,865
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$596/mo
Today · 4.125%
HK$20,047
baseline
▲ 0.50% · 4.625%
HK$21,267
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,094/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,987
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,549
−HK$571/mo
Today · 4.125%
HK$22,120
baseline
▲ 0.50% · 4.625%
HK$23,286
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,240/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,637
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,342
−HK$715/mo
Today · 4.125%
HK$24,057
baseline
▲ 0.50% · 4.625%
HK$25,521
+HK$1,464/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,114/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,184
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,859
−HK$686/mo
Today · 4.125%
HK$26,545
baseline
▲ 0.50% · 4.625%
HK$27,944
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,090/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,410
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,232
−HK$834/mo
Today · 4.125%
HK$28,066
baseline
▲ 0.50% · 4.625%
HK$29,774
+HK$1,708/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,132/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,381
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,169
−HK$800/mo
Today · 4.125%
HK$30,969
baseline
▲ 0.50% · 4.625%
HK$32,601
+HK$1,632/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,938/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,956
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,012
−HK$1,073/mo
Today · 4.125%
HK$36,085
baseline
▲ 0.50% · 4.625%
HK$38,281
+HK$2,196/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$72,170/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,776
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,789
−HK$1,028/mo
Today · 4.125%
HK$39,817
baseline
▲ 0.50% · 4.625%
HK$41,916
+HK$2,099/mo
Deposit HK$827K · loan HK$7.45M · min. income ≈ HK$79,634/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,190 · Scale 2, in force from 26 Feb 2026)