LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,960
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,549
−HK$599/mo
Today · 4.125%
HK$20,148
baseline
▲ 0.50% · 4.625%
HK$21,374
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,296/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,092
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,658
−HK$574/mo
Today · 4.125%
HK$22,232
baseline
▲ 0.50% · 4.625%
HK$23,404
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,464/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,751
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,459
−HK$719/mo
Today · 4.125%
HK$24,178
baseline
▲ 0.50% · 4.625%
HK$25,649
+HK$1,471/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,356/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,311
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,990
−HK$688/mo
Today · 4.125%
HK$26,678
baseline
▲ 0.50% · 4.625%
HK$28,084
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,356/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,543
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,369
−HK$839/mo
Today · 4.125%
HK$28,208
baseline
▲ 0.50% · 4.625%
HK$29,924
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,416/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,529
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,321
−HK$804/mo
Today · 4.125%
HK$31,125
baseline
▲ 0.50% · 4.625%
HK$32,765
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,250/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,127
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,189
−HK$1,078/mo
Today · 4.125%
HK$36,267
baseline
▲ 0.50% · 4.625%
HK$38,474
+HK$2,207/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,534/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,966
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,984
−HK$1,033/mo
Today · 4.125%
HK$40,017
baseline
▲ 0.50% · 4.625%
HK$42,127
+HK$2,110/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,034/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,440 · Scale 2, in force from 26 Feb 2026)