LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,912
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,500
−HK$598/mo
Today · 4.125%
HK$20,098
baseline
▲ 0.50% · 4.625%
HK$21,321
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,196/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,039
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,604
−HK$572/mo
Today · 4.125%
HK$22,176
baseline
▲ 0.50% · 4.625%
HK$23,345
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,352/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,694
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,400
−HK$717/mo
Today · 4.125%
HK$24,117
baseline
▲ 0.50% · 4.625%
HK$25,585
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,234/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,247
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,924
−HK$687/mo
Today · 4.125%
HK$26,611
baseline
▲ 0.50% · 4.625%
HK$28,014
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,222/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,477
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,300
−HK$837/mo
Today · 4.125%
HK$28,137
baseline
▲ 0.50% · 4.625%
HK$29,849
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,274/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,455
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,245
−HK$801/mo
Today · 4.125%
HK$31,046
baseline
▲ 0.50% · 4.625%
HK$32,683
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,092/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,041
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,100
−HK$1,076/mo
Today · 4.125%
HK$36,176
baseline
▲ 0.50% · 4.625%
HK$38,377
+HK$2,201/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,352/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,871
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,886
−HK$1,031/mo
Today · 4.125%
HK$39,917
baseline
▲ 0.50% · 4.625%
HK$42,021
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,834/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,814 · Scale 2, in force from 26 Feb 2026)