LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,880
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,468
−HK$596/mo
Today · 4.125%
HK$20,064
baseline
▲ 0.50% · 4.625%
HK$21,285
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,128/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,004
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$572/mo
Today · 4.125%
HK$22,139
baseline
▲ 0.50% · 4.625%
HK$23,306
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,278/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,656
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,361
−HK$716/mo
Today · 4.125%
HK$24,077
baseline
▲ 0.50% · 4.625%
HK$25,542
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,154/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,205
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$25,881
−HK$686/mo
Today · 4.125%
HK$26,567
baseline
▲ 0.50% · 4.625%
HK$27,967
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,134/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,432
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,255
−HK$835/mo
Today · 4.125%
HK$28,090
baseline
▲ 0.50% · 4.625%
HK$29,799
+HK$1,709/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,180/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,406
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,194
−HK$800/mo
Today · 4.125%
HK$30,994
baseline
▲ 0.50% · 4.625%
HK$32,628
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$61,988/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,984
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,042
−HK$1,074/mo
Today · 4.125%
HK$36,116
baseline
▲ 0.50% · 4.625%
HK$38,313
+HK$2,197/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,232/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,807
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,821
−HK$1,029/mo
Today · 4.125%
HK$39,850
baseline
▲ 0.50% · 4.625%
HK$41,951
+HK$2,101/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,700/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,397 · Scale 2, in force from 26 Feb 2026)