LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,973
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,563
−HK$599/mo
Today · 4.125%
HK$20,162
baseline
▲ 0.50% · 4.625%
HK$21,389
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,324/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,107
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,673
−HK$574/mo
Today · 4.125%
HK$22,247
baseline
▲ 0.50% · 4.625%
HK$23,420
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,494/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,767
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,475
−HK$720/mo
Today · 4.125%
HK$24,195
baseline
▲ 0.50% · 4.625%
HK$25,667
+HK$1,472/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,390/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,328
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,007
−HK$689/mo
Today · 4.125%
HK$26,696
baseline
▲ 0.50% · 4.625%
HK$28,104
+HK$1,408/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,392/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,562
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,388
−HK$839/mo
Today · 4.125%
HK$28,227
baseline
▲ 0.50% · 4.625%
HK$29,945
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$56,454/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,549
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,342
−HK$804/mo
Today · 4.125%
HK$31,146
baseline
▲ 0.50% · 4.625%
HK$32,788
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.82M · min. income ≈ HK$62,292/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,151
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,213
−HK$1,079/mo
Today · 4.125%
HK$36,292
baseline
▲ 0.50% · 4.625%
HK$38,500
+HK$2,208/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,584/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,992
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,011
−HK$1,034/mo
Today · 4.125%
HK$40,045
baseline
▲ 0.50% · 4.625%
HK$42,156
+HK$2,111/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,090/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,611 · Scale 2, in force from 26 Feb 2026)