LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,910
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,498
−HK$598/mo
Today · 4.125%
HK$20,096
baseline
▲ 0.50% · 4.625%
HK$21,319
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,192/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,037
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,602
−HK$572/mo
Today · 4.125%
HK$22,174
baseline
▲ 0.50% · 4.625%
HK$23,343
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,348/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,692
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,398
−HK$717/mo
Today · 4.125%
HK$24,115
baseline
▲ 0.50% · 4.625%
HK$25,582
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,230/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,245
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,922
−HK$687/mo
Today · 4.125%
HK$26,609
baseline
▲ 0.50% · 4.625%
HK$28,011
+HK$1,402/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,218/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,474
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,298
−HK$836/mo
Today · 4.125%
HK$28,134
baseline
▲ 0.50% · 4.625%
HK$29,846
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,268/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,452
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,242
−HK$801/mo
Today · 4.125%
HK$31,043
baseline
▲ 0.50% · 4.625%
HK$32,680
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,086/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,038
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,097
−HK$1,076/mo
Today · 4.125%
HK$36,173
baseline
▲ 0.50% · 4.625%
HK$38,374
+HK$2,201/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,346/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,867
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,883
−HK$1,030/mo
Today · 4.125%
HK$39,913
baseline
▲ 0.50% · 4.625%
HK$42,017
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,826/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,790 · Scale 2, in force from 26 Feb 2026)