LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,913
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,502
−HK$597/mo
Today · 4.125%
HK$20,099
baseline
▲ 0.50% · 4.625%
HK$21,322
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,198/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,041
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,605
−HK$573/mo
Today · 4.125%
HK$22,178
baseline
▲ 0.50% · 4.625%
HK$23,347
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,356/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,696
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,402
−HK$717/mo
Today · 4.125%
HK$24,119
baseline
▲ 0.50% · 4.625%
HK$25,587
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,238/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,249
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,926
−HK$687/mo
Today · 4.125%
HK$26,613
baseline
▲ 0.50% · 4.625%
HK$28,016
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,226/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,479
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,302
−HK$837/mo
Today · 4.125%
HK$28,139
baseline
▲ 0.50% · 4.625%
HK$29,851
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,278/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,457
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,247
−HK$802/mo
Today · 4.125%
HK$31,049
baseline
▲ 0.50% · 4.625%
HK$32,686
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,098/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,044
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,103
−HK$1,076/mo
Today · 4.125%
HK$36,179
baseline
▲ 0.50% · 4.625%
HK$38,380
+HK$2,201/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,358/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,874
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,890
−HK$1,030/mo
Today · 4.125%
HK$39,920
baseline
▲ 0.50% · 4.625%
HK$42,024
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,840/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,833 · Scale 2, in force from 26 Feb 2026)