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$248,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,049
−HK$1,137/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$248,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,704
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,411
−HK$717/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$248,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,258
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,936
−HK$687/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$248,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,489
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,312
−HK$838/mo
Today · 4.125%
HK$28,150
baseline
▲ 0.50% · 4.625%
HK$29,862
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,300/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,468
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,259
−HK$801/mo
Today · 4.125%
HK$31,060
baseline
▲ 0.50% · 4.625%
HK$32,698
+HK$1,638/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$248,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,057
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,116
−HK$1,076/mo
Today · 4.125%
HK$36,192
baseline
▲ 0.50% · 4.625%
HK$38,395
+HK$2,203/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$248,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,888
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,904
−HK$1,031/mo
Today · 4.125%
HK$39,935
baseline
▲ 0.50% · 4.625%
HK$42,040
+HK$2,105/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,870/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,925 · Scale 2, in force from 26 Feb 2026)