LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,983
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,574
−HK$600/mo
Today · 4.125%
HK$20,174
baseline
▲ 0.50% · 4.625%
HK$21,401
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,348/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,119
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,685
−HK$575/mo
Today · 4.125%
HK$22,260
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,520/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,780
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,488
−HK$720/mo
Today · 4.125%
HK$24,208
baseline
▲ 0.50% · 4.625%
HK$25,681
+HK$1,473/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,416/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,342
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,022
−HK$689/mo
Today · 4.125%
HK$26,711
baseline
▲ 0.50% · 4.625%
HK$28,119
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,422/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,576
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,403
−HK$840/mo
Today · 4.125%
HK$28,243
baseline
▲ 0.50% · 4.625%
HK$29,962
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,486/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,566
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,359
−HK$804/mo
Today · 4.125%
HK$31,163
baseline
▲ 0.50% · 4.625%
HK$32,806
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,326/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,170
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,233
−HK$1,079/mo
Today · 4.125%
HK$36,312
baseline
▲ 0.50% · 4.625%
HK$38,522
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,624/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,013
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,033
−HK$1,034/mo
Today · 4.125%
HK$40,067
baseline
▲ 0.50% · 4.625%
HK$42,179
+HK$2,112/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,134/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,751 · Scale 2, in force from 26 Feb 2026)