LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,874
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,461
−HK$597/mo
Today · 4.125%
HK$20,058
baseline
▲ 0.50% · 4.625%
HK$21,278
+HK$1,220/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,116/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,997
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,561
−HK$571/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,298
+HK$1,166/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,649
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$23,354
−HK$715/mo
Today · 4.125%
HK$24,069
baseline
▲ 0.50% · 4.625%
HK$25,534
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,138/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,197
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$25,873
−HK$685/mo
Today · 4.125%
HK$26,558
baseline
▲ 0.50% · 4.625%
HK$27,958
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,116/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,424
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,246
−HK$835/mo
Today · 4.125%
HK$28,081
baseline
▲ 0.50% · 4.625%
HK$29,790
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,162/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,396
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,185
−HK$800/mo
Today · 4.125%
HK$30,985
baseline
▲ 0.50% · 4.625%
HK$32,618
+HK$1,633/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,970/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,974
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$1,074/mo
Today · 4.125%
HK$36,104
baseline
▲ 0.50% · 4.625%
HK$38,301
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,208/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,795
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,809
−HK$1,028/mo
Today · 4.125%
HK$39,837
baseline
▲ 0.50% · 4.625%
HK$41,937
+HK$2,100/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,674/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,318 · Scale 2, in force from 26 Feb 2026)