LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,962
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,552
−HK$599/mo
Today · 4.125%
HK$20,151
baseline
▲ 0.50% · 4.625%
HK$21,377
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,302/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,095
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,661
−HK$574/mo
Today · 4.125%
HK$22,235
baseline
▲ 0.50% · 4.625%
HK$23,407
+HK$1,172/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,470/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,755
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,462
−HK$720/mo
Today · 4.125%
HK$24,182
baseline
▲ 0.50% · 4.625%
HK$25,653
+HK$1,471/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,364/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,314
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,993
−HK$689/mo
Today · 4.125%
HK$26,682
baseline
▲ 0.50% · 4.625%
HK$28,088
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,364/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,547
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,373
−HK$839/mo
Today · 4.125%
HK$28,212
baseline
▲ 0.50% · 4.625%
HK$29,928
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,424/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,533
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,325
−HK$804/mo
Today · 4.125%
HK$31,129
baseline
▲ 0.50% · 4.625%
HK$32,770
+HK$1,641/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,258/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,132
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,194
−HK$1,078/mo
Today · 4.125%
HK$36,272
baseline
▲ 0.50% · 4.625%
HK$38,479
+HK$2,207/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$72,544/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,972
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,990
−HK$1,033/mo
Today · 4.125%
HK$40,023
baseline
▲ 0.50% · 4.625%
HK$42,133
+HK$2,110/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$80,046/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,476 · Scale 2, in force from 26 Feb 2026)