LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,980
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,571
−HK$600/mo
Today · 4.125%
HK$20,171
baseline
▲ 0.50% · 4.625%
HK$21,398
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,342/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,115
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,682
−HK$574/mo
Today · 4.125%
HK$22,256
baseline
▲ 0.50% · 4.625%
HK$23,429
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,512/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,776
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,485
−HK$720/mo
Today · 4.125%
HK$24,205
baseline
▲ 0.50% · 4.625%
HK$25,678
+HK$1,473/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$48,410/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,339
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,018
−HK$690/mo
Today · 4.125%
HK$26,708
baseline
▲ 0.50% · 4.625%
HK$28,115
+HK$1,407/mo
Deposit HK$3.33M · loan HK$4.99M · min. income ≈ HK$53,416/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,573
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,399
−HK$840/mo
Today · 4.125%
HK$28,239
baseline
▲ 0.50% · 4.625%
HK$29,957
+HK$1,718/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,478/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,562
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,354
−HK$805/mo
Today · 4.125%
HK$31,159
baseline
▲ 0.50% · 4.625%
HK$32,801
+HK$1,642/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,318/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,165
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,227
−HK$1,080/mo
Today · 4.125%
HK$36,307
baseline
▲ 0.50% · 4.625%
HK$38,516
+HK$2,209/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$72,614/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,008
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,027
−HK$1,034/mo
Today · 4.125%
HK$40,061
baseline
▲ 0.50% · 4.625%
HK$42,173
+HK$2,112/mo
Deposit HK$832K · loan HK$7.49M · min. income ≈ HK$80,122/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,714 · Scale 2, in force from 26 Feb 2026)