LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,943
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,533
−HK$598/mo
Today · 4.125%
HK$20,131
baseline
▲ 0.50% · 4.625%
HK$21,356
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,262/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,074
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,640
−HK$573/mo
Today · 4.125%
HK$22,213
baseline
▲ 0.50% · 4.625%
HK$23,384
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,426/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,732
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,439
−HK$719/mo
Today · 4.125%
HK$24,158
baseline
▲ 0.50% · 4.625%
HK$25,628
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,316/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,289
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,968
−HK$688/mo
Today · 4.125%
HK$26,656
baseline
▲ 0.50% · 4.625%
HK$28,061
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,312/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,521
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,346
−HK$838/mo
Today · 4.125%
HK$28,184
baseline
▲ 0.50% · 4.625%
HK$29,899
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,368/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,504
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,295
−HK$803/mo
Today · 4.125%
HK$31,098
baseline
▲ 0.50% · 4.625%
HK$32,737
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,196/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,098
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,159
−HK$1,077/mo
Today · 4.125%
HK$36,236
baseline
▲ 0.50% · 4.625%
HK$38,441
+HK$2,205/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,472/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,934
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,951
−HK$1,032/mo
Today · 4.125%
HK$39,983
baseline
▲ 0.50% · 4.625%
HK$42,091
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,966/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,228 · Scale 2, in force from 26 Feb 2026)