LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,888
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,475
−HK$597/mo
Today · 4.125%
HK$20,072
baseline
▲ 0.50% · 4.625%
HK$21,294
+HK$1,222/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$248,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,012
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$572/mo
Today · 4.125%
HK$22,148
baseline
▲ 0.50% · 4.625%
HK$23,315
+HK$1,167/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,296/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,665
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,370
−HK$717/mo
Today · 4.125%
HK$24,087
baseline
▲ 0.50% · 4.625%
HK$25,552
+HK$1,465/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,174/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,215
−HK$1,362/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$248,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,443
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,265
−HK$836/mo
Today · 4.125%
HK$28,101
baseline
▲ 0.50% · 4.625%
HK$29,811
+HK$1,710/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,202/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,417
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,206
−HK$801/mo
Today · 4.125%
HK$31,007
baseline
▲ 0.50% · 4.625%
HK$32,641
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$62,014/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,998
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,056
−HK$1,074/mo
Today · 4.125%
HK$36,130
baseline
▲ 0.50% · 4.625%
HK$38,328
+HK$2,198/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,260/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,822
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,837
−HK$1,029/mo
Today · 4.125%
HK$39,866
baseline
▲ 0.50% · 4.625%
HK$41,967
+HK$2,101/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,732/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,496 · Scale 2, in force from 26 Feb 2026)