LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,895
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,482
−HK$598/mo
Today · 4.125%
HK$20,080
baseline
▲ 0.50% · 4.625%
HK$21,301
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,160/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,020
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,584
−HK$572/mo
Today · 4.125%
HK$22,156
baseline
▲ 0.50% · 4.625%
HK$23,324
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,312/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,674
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,379
−HK$717/mo
Today · 4.125%
HK$24,096
baseline
▲ 0.50% · 4.625%
HK$25,562
+HK$1,466/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,192/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,224
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,901
−HK$686/mo
Today · 4.125%
HK$26,587
baseline
▲ 0.50% · 4.625%
HK$27,989
+HK$1,402/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,174/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,453
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,275
−HK$836/mo
Today · 4.125%
HK$28,111
baseline
▲ 0.50% · 4.625%
HK$29,822
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,222/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,428
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,218
−HK$800/mo
Today · 4.125%
HK$31,018
baseline
▲ 0.50% · 4.625%
HK$32,653
+HK$1,635/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,036/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,011
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,068
−HK$1,075/mo
Today · 4.125%
HK$36,143
baseline
▲ 0.50% · 4.625%
HK$38,343
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,286/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,836
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,851
−HK$1,030/mo
Today · 4.125%
HK$39,881
baseline
▲ 0.50% · 4.625%
HK$41,983
+HK$2,102/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,762/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,588 · Scale 2, in force from 26 Feb 2026)