LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,871
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,458
−HK$597/mo
Today · 4.125%
HK$20,055
baseline
▲ 0.50% · 4.625%
HK$21,275
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,110/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,994
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,557
−HK$571/mo
Today · 4.125%
HK$22,128
baseline
▲ 0.50% · 4.625%
HK$23,295
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,256/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,645
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,350
−HK$715/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,530
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,193
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,868
−HK$686/mo
Today · 4.125%
HK$26,554
baseline
▲ 0.50% · 4.625%
HK$27,953
+HK$1,399/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,108/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,420
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,241
−HK$835/mo
Today · 4.125%
HK$28,076
baseline
▲ 0.50% · 4.625%
HK$29,785
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,152/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,392
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,180
−HK$799/mo
Today · 4.125%
HK$30,979
baseline
▲ 0.50% · 4.625%
HK$32,612
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,958/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,968
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,025
−HK$1,073/mo
Today · 4.125%
HK$36,098
baseline
▲ 0.50% · 4.625%
HK$38,295
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,196/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,789
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,803
−HK$1,028/mo
Today · 4.125%
HK$39,831
baseline
▲ 0.50% · 4.625%
HK$41,930
+HK$2,099/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,662/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,277 · Scale 2, in force from 26 Feb 2026)