LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,961
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,551
−HK$599/mo
Today · 4.125%
HK$20,150
baseline
▲ 0.50% · 4.625%
HK$21,376
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,300/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,094
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,660
−HK$574/mo
Today · 4.125%
HK$22,234
baseline
▲ 0.50% · 4.625%
HK$23,406
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,468/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,754
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,461
−HK$719/mo
Today · 4.125%
HK$24,180
baseline
▲ 0.50% · 4.625%
HK$25,652
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,360/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,313
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,992
−HK$689/mo
Today · 4.125%
HK$26,681
baseline
▲ 0.50% · 4.625%
HK$28,087
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,362/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,546
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,372
−HK$838/mo
Today · 4.125%
HK$28,210
baseline
▲ 0.50% · 4.625%
HK$29,927
+HK$1,717/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,420/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,532
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,324
−HK$804/mo
Today · 4.125%
HK$31,128
baseline
▲ 0.50% · 4.625%
HK$32,768
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,256/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,130
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,192
−HK$1,079/mo
Today · 4.125%
HK$36,271
baseline
▲ 0.50% · 4.625%
HK$38,478
+HK$2,207/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$72,542/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,970
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,988
−HK$1,033/mo
Today · 4.125%
HK$40,021
baseline
▲ 0.50% · 4.625%
HK$42,131
+HK$2,110/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$80,042/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,463 · Scale 2, in force from 26 Feb 2026)