LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,972
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,562
−HK$599/mo
Today · 4.125%
HK$20,161
baseline
▲ 0.50% · 4.625%
HK$21,388
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,322/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,106
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,672
−HK$574/mo
Today · 4.125%
HK$22,246
baseline
▲ 0.50% · 4.625%
HK$23,419
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,492/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,766
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,474
−HK$720/mo
Today · 4.125%
HK$24,194
baseline
▲ 0.50% · 4.625%
HK$25,666
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,388/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,327
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,006
−HK$689/mo
Today · 4.125%
HK$26,695
baseline
▲ 0.50% · 4.625%
HK$28,102
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,390/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,560
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,387
−HK$839/mo
Today · 4.125%
HK$28,226
baseline
▲ 0.50% · 4.625%
HK$29,943
+HK$1,717/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,452/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,548
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,341
−HK$804/mo
Today · 4.125%
HK$31,145
baseline
▲ 0.50% · 4.625%
HK$32,786
+HK$1,641/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,290/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,149
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,211
−HK$1,079/mo
Today · 4.125%
HK$36,290
baseline
▲ 0.50% · 4.625%
HK$38,499
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,580/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,990
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,009
−HK$1,034/mo
Today · 4.125%
HK$40,043
baseline
▲ 0.50% · 4.625%
HK$42,154
+HK$2,111/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,086/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,600 · Scale 2, in force from 26 Feb 2026)