LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,887
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,475
−HK$597/mo
Today · 4.125%
HK$20,072
baseline
▲ 0.50% · 4.625%
HK$21,293
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,144/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,012
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$571/mo
Today · 4.125%
HK$22,147
baseline
▲ 0.50% · 4.625%
HK$23,315
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,294/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,665
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,370
−HK$716/mo
Today · 4.125%
HK$24,086
baseline
▲ 0.50% · 4.625%
HK$25,552
+HK$1,466/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,172/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,214
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,891
−HK$686/mo
Today · 4.125%
HK$26,577
baseline
▲ 0.50% · 4.625%
HK$27,978
+HK$1,401/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,154/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,442
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,265
−HK$835/mo
Today · 4.125%
HK$28,100
baseline
▲ 0.50% · 4.625%
HK$29,810
+HK$1,710/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,200/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,417
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,206
−HK$800/mo
Today · 4.125%
HK$31,006
baseline
▲ 0.50% · 4.625%
HK$32,640
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$62,012/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,997
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,055
−HK$1,074/mo
Today · 4.125%
HK$36,129
baseline
▲ 0.50% · 4.625%
HK$38,328
+HK$2,199/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,258/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,822
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,836
−HK$1,029/mo
Today · 4.125%
HK$39,865
baseline
▲ 0.50% · 4.625%
HK$41,966
+HK$2,101/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,730/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,490 · Scale 2, in force from 26 Feb 2026)