LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,926
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,515
−HK$598/mo
Today · 4.125%
HK$20,113
baseline
▲ 0.50% · 4.625%
HK$21,337
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,226/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,055
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,620
−HK$572/mo
Today · 4.125%
HK$22,192
baseline
▲ 0.50% · 4.625%
HK$23,362
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,384/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$248,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,711
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,417
−HK$718/mo
Today · 4.125%
HK$24,135
baseline
▲ 0.50% · 4.625%
HK$25,604
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,270/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,266
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,943
−HK$688/mo
Today · 4.125%
HK$26,631
baseline
▲ 0.50% · 4.625%
HK$28,035
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,262/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,496
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,320
−HK$838/mo
Today · 4.125%
HK$28,158
baseline
▲ 0.50% · 4.625%
HK$29,871
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,316/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,477
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,267
−HK$802/mo
Today · 4.125%
HK$31,069
baseline
▲ 0.50% · 4.625%
HK$32,707
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,138/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,067
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,126
−HK$1,077/mo
Today · 4.125%
HK$36,203
baseline
▲ 0.50% · 4.625%
HK$38,406
+HK$2,203/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,406/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,899
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,915
−HK$1,031/mo
Today · 4.125%
HK$39,946
baseline
▲ 0.50% · 4.625%
HK$42,052
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,892/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,997 · Scale 2, in force from 26 Feb 2026)