LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,900
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,488
−HK$598/mo
Today · 4.125%
HK$20,086
baseline
▲ 0.50% · 4.625%
HK$21,308
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,172/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,026
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,590
−HK$572/mo
Today · 4.125%
HK$22,162
baseline
▲ 0.50% · 4.625%
HK$23,331
+HK$1,169/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$248,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,680
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,386
−HK$717/mo
Today · 4.125%
HK$24,103
baseline
▲ 0.50% · 4.625%
HK$25,569
+HK$1,466/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,206/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,232
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,908
−HK$687/mo
Today · 4.125%
HK$26,595
baseline
▲ 0.50% · 4.625%
HK$27,997
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,190/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,461
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,284
−HK$836/mo
Today · 4.125%
HK$28,120
baseline
▲ 0.50% · 4.625%
HK$29,831
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,240/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,437
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,227
−HK$800/mo
Today · 4.125%
HK$31,027
baseline
▲ 0.50% · 4.625%
HK$32,663
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,054/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,021
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,079
−HK$1,075/mo
Today · 4.125%
HK$36,154
baseline
▲ 0.50% · 4.625%
HK$38,354
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,308/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,848
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,863
−HK$1,029/mo
Today · 4.125%
HK$39,892
baseline
▲ 0.50% · 4.625%
HK$41,995
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,784/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,661 · Scale 2, in force from 26 Feb 2026)