LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,900
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,487
−HK$598/mo
Today · 4.125%
HK$20,085
baseline
▲ 0.50% · 4.625%
HK$21,307
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,170/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,026
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,589
−HK$573/mo
Today · 4.125%
HK$22,162
baseline
▲ 0.50% · 4.625%
HK$23,330
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,324/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,679
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,385
−HK$717/mo
Today · 4.125%
HK$24,102
baseline
▲ 0.50% · 4.625%
HK$25,568
+HK$1,466/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,204/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,231
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,907
−HK$687/mo
Today · 4.125%
HK$26,594
baseline
▲ 0.50% · 4.625%
HK$27,996
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,188/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,459
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,282
−HK$837/mo
Today · 4.125%
HK$28,119
baseline
▲ 0.50% · 4.625%
HK$29,830
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,238/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,436
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,225
−HK$801/mo
Today · 4.125%
HK$31,026
baseline
▲ 0.50% · 4.625%
HK$32,662
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,052/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,019
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,077
−HK$1,076/mo
Today · 4.125%
HK$36,153
baseline
▲ 0.50% · 4.625%
HK$38,352
+HK$2,199/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,306/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,846
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,861
−HK$1,030/mo
Today · 4.125%
HK$39,891
baseline
▲ 0.50% · 4.625%
HK$41,993
+HK$2,102/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,782/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,651 · Scale 2, in force from 26 Feb 2026)