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$248,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,024
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,588
−HK$572/mo
Today · 4.125%
HK$22,160
baseline
▲ 0.50% · 4.625%
HK$23,328
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,320/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,678
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,383
−HK$717/mo
Today · 4.125%
HK$24,100
baseline
▲ 0.50% · 4.625%
HK$25,566
+HK$1,466/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,200/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,229
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,905
−HK$687/mo
Today · 4.125%
HK$26,592
baseline
▲ 0.50% · 4.625%
HK$27,994
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,184/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,457
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,280
−HK$837/mo
Today · 4.125%
HK$28,117
baseline
▲ 0.50% · 4.625%
HK$29,827
+HK$1,710/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,234/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,434
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,223
−HK$801/mo
Today · 4.125%
HK$31,024
baseline
▲ 0.50% · 4.625%
HK$32,659
+HK$1,635/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,048/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,017
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,075
−HK$1,075/mo
Today · 4.125%
HK$36,150
baseline
▲ 0.50% · 4.625%
HK$38,349
+HK$2,199/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,300/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,843
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,858
−HK$1,030/mo
Today · 4.125%
HK$39,888
baseline
▲ 0.50% · 4.625%
HK$41,990
+HK$2,102/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,776/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,633 · Scale 2, in force from 26 Feb 2026)