LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,915
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,504
−HK$598/mo
Today · 4.125%
HK$20,102
baseline
▲ 0.50% · 4.625%
HK$21,325
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,204/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,043
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,608
−HK$572/mo
Today · 4.125%
HK$22,180
baseline
▲ 0.50% · 4.625%
HK$23,349
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,360/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,699
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,405
−HK$717/mo
Today · 4.125%
HK$24,122
baseline
▲ 0.50% · 4.625%
HK$25,590
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,244/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,252
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,929
−HK$687/mo
Today · 4.125%
HK$26,616
baseline
▲ 0.50% · 4.625%
HK$28,019
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,232/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,482
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,305
−HK$837/mo
Today · 4.125%
HK$28,142
baseline
▲ 0.50% · 4.625%
HK$29,855
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,284/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,461
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,251
−HK$801/mo
Today · 4.125%
HK$31,052
baseline
▲ 0.50% · 4.625%
HK$32,689
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,104/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,048
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,107
−HK$1,076/mo
Today · 4.125%
HK$36,183
baseline
▲ 0.50% · 4.625%
HK$38,385
+HK$2,202/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,366/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,878
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,894
−HK$1,030/mo
Today · 4.125%
HK$39,924
baseline
▲ 0.50% · 4.625%
HK$42,029
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,848/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,860 · Scale 2, in force from 26 Feb 2026)