LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,963
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,553
−HK$600/mo
Today · 4.125%
HK$20,153
baseline
▲ 0.50% · 4.625%
HK$21,379
+HK$1,226/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,306/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,097
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,662
−HK$574/mo
Today · 4.125%
HK$22,236
baseline
▲ 0.50% · 4.625%
HK$23,409
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,472/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,756
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,464
−HK$719/mo
Today · 4.125%
HK$24,183
baseline
▲ 0.50% · 4.625%
HK$25,655
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,366/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,316
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,995
−HK$689/mo
Today · 4.125%
HK$26,684
baseline
▲ 0.50% · 4.625%
HK$28,090
+HK$1,406/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,368/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,549
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,375
−HK$839/mo
Today · 4.125%
HK$28,214
baseline
▲ 0.50% · 4.625%
HK$29,930
+HK$1,716/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,428/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,535
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,327
−HK$804/mo
Today · 4.125%
HK$31,131
baseline
▲ 0.50% · 4.625%
HK$32,772
+HK$1,641/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,262/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,134
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,196
−HK$1,079/mo
Today · 4.125%
HK$36,275
baseline
▲ 0.50% · 4.625%
HK$38,482
+HK$2,207/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$72,550/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,974
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,992
−HK$1,034/mo
Today · 4.125%
HK$40,026
baseline
▲ 0.50% · 4.625%
HK$42,135
+HK$2,109/mo
Deposit HK$832K · loan HK$7.48M · min. income ≈ HK$80,052/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,492 · Scale 2, in force from 26 Feb 2026)