LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,920
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,509
−HK$598/mo
Today · 4.125%
HK$20,107
baseline
▲ 0.50% · 4.625%
HK$21,330
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,214/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,048
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,613
−HK$573/mo
Today · 4.125%
HK$22,186
baseline
▲ 0.50% · 4.625%
HK$23,355
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,372/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,704
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,410
−HK$718/mo
Today · 4.125%
HK$24,128
baseline
▲ 0.50% · 4.625%
HK$25,596
+HK$1,468/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,256/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,258
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,935
−HK$688/mo
Today · 4.125%
HK$26,623
baseline
▲ 0.50% · 4.625%
HK$28,026
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,246/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,488
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,312
−HK$837/mo
Today · 4.125%
HK$28,149
baseline
▲ 0.50% · 4.625%
HK$29,862
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,298/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,468
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,258
−HK$802/mo
Today · 4.125%
HK$31,060
baseline
▲ 0.50% · 4.625%
HK$32,697
+HK$1,637/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,120/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,056
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,115
−HK$1,077/mo
Today · 4.125%
HK$36,192
baseline
▲ 0.50% · 4.625%
HK$38,394
+HK$2,202/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,384/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,887
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,903
−HK$1,031/mo
Today · 4.125%
HK$39,934
baseline
▲ 0.50% · 4.625%
HK$42,039
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,868/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,921 · Scale 2, in force from 26 Feb 2026)