LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,905
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,493
−HK$597/mo
Today · 4.125%
HK$20,090
baseline
▲ 0.50% · 4.625%
HK$21,313
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,180/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,031
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,595
−HK$573/mo
Today · 4.125%
HK$22,168
baseline
▲ 0.50% · 4.625%
HK$23,336
+HK$1,168/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,336/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,686
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$23,391
−HK$717/mo
Today · 4.125%
HK$24,108
baseline
▲ 0.50% · 4.625%
HK$25,575
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$48,216/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,238
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,915
−HK$686/mo
Today · 4.125%
HK$26,601
baseline
▲ 0.50% · 4.625%
HK$28,003
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.97M · min. income ≈ HK$53,202/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,467
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,290
−HK$836/mo
Today · 4.125%
HK$28,126
baseline
▲ 0.50% · 4.625%
HK$29,838
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,252/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,444
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,234
−HK$801/mo
Today · 4.125%
HK$31,035
baseline
▲ 0.50% · 4.625%
HK$32,671
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,070/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,029
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,087
−HK$1,076/mo
Today · 4.125%
HK$36,163
baseline
▲ 0.50% · 4.625%
HK$38,363
+HK$2,200/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,326/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,857
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,872
−HK$1,030/mo
Today · 4.125%
HK$39,902
baseline
▲ 0.50% · 4.625%
HK$42,005
+HK$2,103/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,804/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,720 · Scale 2, in force from 26 Feb 2026)