LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,960
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,550
−HK$599/mo
Today · 4.125%
HK$20,149
baseline
▲ 0.50% · 4.625%
HK$21,375
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,298/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,093
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,659
−HK$573/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$249,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,752
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$719/mo
Today · 4.125%
HK$24,179
baseline
▲ 0.50% · 4.625%
HK$25,650
+HK$1,471/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,358/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,311
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,990
−HK$689/mo
Today · 4.125%
HK$26,679
baseline
▲ 0.50% · 4.625%
HK$28,085
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,358/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,544
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,370
−HK$839/mo
Today · 4.125%
HK$28,209
baseline
▲ 0.50% · 4.625%
HK$29,925
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,418/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,530
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,322
−HK$803/mo
Today · 4.125%
HK$31,125
baseline
▲ 0.50% · 4.625%
HK$32,766
+HK$1,641/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$249,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,128
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,190
−HK$1,078/mo
Today · 4.125%
HK$36,268
baseline
▲ 0.50% · 4.625%
HK$38,475
+HK$2,207/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,536/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,967
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,985
−HK$1,033/mo
Today · 4.125%
HK$40,018
baseline
▲ 0.50% · 4.625%
HK$42,128
+HK$2,110/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$80,036/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,446 · Scale 2, in force from 26 Feb 2026)