LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,902
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,490
−HK$598/mo
Today · 4.125%
HK$20,088
baseline
▲ 0.50% · 4.625%
HK$21,310
+HK$1,222/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,176/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,028
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,592
−HK$573/mo
Today · 4.125%
HK$22,165
baseline
▲ 0.50% · 4.625%
HK$23,333
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,330/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,683
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,388
−HK$717/mo
Today · 4.125%
HK$24,105
baseline
▲ 0.50% · 4.625%
HK$25,572
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,210/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,234
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,911
−HK$687/mo
Today · 4.125%
HK$26,598
baseline
▲ 0.50% · 4.625%
HK$27,999
+HK$1,401/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,196/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,463
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,286
−HK$837/mo
Today · 4.125%
HK$28,123
baseline
▲ 0.50% · 4.625%
HK$29,834
+HK$1,711/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,246/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,440
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,229
−HK$801/mo
Today · 4.125%
HK$31,030
baseline
▲ 0.50% · 4.625%
HK$32,666
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,060/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,024
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,082
−HK$1,076/mo
Today · 4.125%
HK$36,158
baseline
▲ 0.50% · 4.625%
HK$38,358
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,316/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,851
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,866
−HK$1,030/mo
Today · 4.125%
HK$39,896
baseline
▲ 0.50% · 4.625%
HK$41,999
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,792/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,685 · Scale 2, in force from 26 Feb 2026)