LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,933
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,522
−HK$598/mo
Today · 4.125%
HK$20,120
baseline
▲ 0.50% · 4.625%
HK$21,344
+HK$1,224/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,240/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,063
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,627
−HK$573/mo
Today · 4.125%
HK$22,200
baseline
▲ 0.50% · 4.625%
HK$23,371
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,400/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,719
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,426
−HK$718/mo
Today · 4.125%
HK$24,144
baseline
▲ 0.50% · 4.625%
HK$25,613
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,288/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,275
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,953
−HK$688/mo
Today · 4.125%
HK$26,641
baseline
▲ 0.50% · 4.625%
HK$28,045
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,282/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,506
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,330
−HK$838/mo
Today · 4.125%
HK$28,168
baseline
▲ 0.50% · 4.625%
HK$29,882
+HK$1,714/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,336/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,488
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,278
−HK$803/mo
Today · 4.125%
HK$31,081
baseline
▲ 0.50% · 4.625%
HK$32,719
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,162/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,079
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,139
−HK$1,077/mo
Today · 4.125%
HK$36,216
baseline
▲ 0.50% · 4.625%
HK$38,420
+HK$2,204/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,432/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,913
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,929
−HK$1,032/mo
Today · 4.125%
HK$39,961
baseline
▲ 0.50% · 4.625%
HK$42,067
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,922/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,088 · Scale 2, in force from 26 Feb 2026)