LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,914
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,502
−HK$598/mo
Today · 4.125%
HK$20,100
baseline
▲ 0.50% · 4.625%
HK$21,323
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,200/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,042
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,606
−HK$572/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$248,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,697
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,403
−HK$717/mo
Today · 4.125%
HK$24,120
baseline
▲ 0.50% · 4.625%
HK$25,588
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,240/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,250
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,927
−HK$687/mo
Today · 4.125%
HK$26,614
baseline
▲ 0.50% · 4.625%
HK$28,017
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,228/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,480
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,303
−HK$837/mo
Today · 4.125%
HK$28,140
baseline
▲ 0.50% · 4.625%
HK$29,852
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,280/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,458
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,248
−HK$802/mo
Today · 4.125%
HK$31,050
baseline
▲ 0.50% · 4.625%
HK$32,686
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,100/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,045
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,104
−HK$1,076/mo
Today · 4.125%
HK$36,180
baseline
▲ 0.50% · 4.625%
HK$38,382
+HK$2,202/mo
Deposit HK$829K · loan HK$7.47M · min. income ≈ HK$72,360/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,875
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,891
−HK$1,030/mo
Today · 4.125%
HK$39,921
baseline
▲ 0.50% · 4.625%
HK$42,025
+HK$2,104/mo
Deposit HK$829K · loan HK$7.47M · min. income ≈ HK$79,842/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,841 · Scale 2, in force from 26 Feb 2026)