LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,967
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,557
−HK$599/mo
Today · 4.125%
HK$20,156
baseline
▲ 0.50% · 4.625%
HK$21,383
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,312/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,100
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,666
−HK$574/mo
Today · 4.125%
HK$22,240
baseline
▲ 0.50% · 4.625%
HK$23,413
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,480/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,760
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,468
−HK$719/mo
Today · 4.125%
HK$24,187
baseline
▲ 0.50% · 4.625%
HK$25,659
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,374/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,320
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,999
−HK$689/mo
Today · 4.125%
HK$26,688
baseline
▲ 0.50% · 4.625%
HK$28,095
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,376/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,553
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,379
−HK$840/mo
Today · 4.125%
HK$28,219
baseline
▲ 0.50% · 4.625%
HK$29,936
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,438/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,540
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,333
−HK$803/mo
Today · 4.125%
HK$31,136
baseline
▲ 0.50% · 4.625%
HK$32,778
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,272/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,140
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,202
−HK$1,079/mo
Today · 4.125%
HK$36,281
baseline
▲ 0.50% · 4.625%
HK$38,489
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,562/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,981
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,999
−HK$1,034/mo
Today · 4.125%
HK$40,033
baseline
▲ 0.50% · 4.625%
HK$42,143
+HK$2,110/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,066/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,535 · Scale 2, in force from 26 Feb 2026)