LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,916
−HK$1,186/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$248,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,044
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,608
−HK$572/mo
Today · 4.125%
HK$22,180
baseline
▲ 0.50% · 4.625%
HK$23,350
+HK$1,170/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$248,864 · 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$248,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,252
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,930
−HK$687/mo
Today · 4.125%
HK$26,617
baseline
▲ 0.50% · 4.625%
HK$28,020
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,234/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,482
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,306
−HK$837/mo
Today · 4.125%
HK$28,143
baseline
▲ 0.50% · 4.625%
HK$29,855
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,286/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,461
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,251
−HK$802/mo
Today · 4.125%
HK$31,053
baseline
▲ 0.50% · 4.625%
HK$32,689
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,106/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,864 · 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$248,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,878
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,894
−HK$1,031/mo
Today · 4.125%
HK$39,925
baseline
▲ 0.50% · 4.625%
HK$42,029
+HK$2,104/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,850/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,864 · Scale 2, in force from 26 Feb 2026)