LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,892
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,479
−HK$597/mo
Today · 4.125%
HK$20,076
baseline
▲ 0.50% · 4.625%
HK$21,298
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,152/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,017
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,581
−HK$571/mo
Today · 4.125%
HK$22,152
baseline
▲ 0.50% · 4.625%
HK$23,320
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,304/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,670
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,375
−HK$717/mo
Today · 4.125%
HK$24,092
baseline
▲ 0.50% · 4.625%
HK$25,558
+HK$1,466/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,184/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,220
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,897
−HK$686/mo
Today · 4.125%
HK$26,583
baseline
▲ 0.50% · 4.625%
HK$27,984
+HK$1,401/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,166/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,448
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,271
−HK$836/mo
Today · 4.125%
HK$28,107
baseline
▲ 0.50% · 4.625%
HK$29,817
+HK$1,710/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,214/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,424
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,213
−HK$800/mo
Today · 4.125%
HK$31,013
baseline
▲ 0.50% · 4.625%
HK$32,648
+HK$1,635/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,026/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,005
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,063
−HK$1,075/mo
Today · 4.125%
HK$36,138
baseline
▲ 0.50% · 4.625%
HK$38,336
+HK$2,198/mo
Deposit HK$828K · loan HK$7.46M · min. income ≈ HK$72,276/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,830
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,845
−HK$1,029/mo
Today · 4.125%
HK$39,874
baseline
▲ 0.50% · 4.625%
HK$41,976
+HK$2,102/mo
Deposit HK$828K · loan HK$7.46M · min. income ≈ HK$79,748/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,548 · Scale 2, in force from 26 Feb 2026)