LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,898
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,486
−HK$597/mo
Today · 4.125%
HK$20,083
baseline
▲ 0.50% · 4.625%
HK$21,305
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,166/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,024
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,587
−HK$572/mo
Today · 4.125%
HK$22,159
baseline
▲ 0.50% · 4.625%
HK$23,327
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,318/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,677
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,383
−HK$716/mo
Today · 4.125%
HK$24,099
baseline
▲ 0.50% · 4.625%
HK$25,566
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,198/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,228
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,905
−HK$686/mo
Today · 4.125%
HK$26,591
baseline
▲ 0.50% · 4.625%
HK$27,993
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,182/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,457
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,280
−HK$836/mo
Today · 4.125%
HK$28,116
baseline
▲ 0.50% · 4.625%
HK$29,827
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,232/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,433
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,222
−HK$801/mo
Today · 4.125%
HK$31,023
baseline
▲ 0.50% · 4.625%
HK$32,658
+HK$1,635/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,046/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,016
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,074
−HK$1,075/mo
Today · 4.125%
HK$36,149
baseline
▲ 0.50% · 4.625%
HK$38,349
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,298/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,842
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,857
−HK$1,030/mo
Today · 4.125%
HK$39,887
baseline
▲ 0.50% · 4.625%
HK$41,989
+HK$2,102/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,774/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,627 · Scale 2, in force from 26 Feb 2026)