LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,984
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,575
−HK$600/mo
Today · 4.125%
HK$20,175
baseline
▲ 0.50% · 4.625%
HK$21,402
+HK$1,227/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,350/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,120
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,686
−HK$575/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,434
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,522/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,781
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,490
−HK$720/mo
Today · 4.125%
HK$24,210
baseline
▲ 0.50% · 4.625%
HK$25,683
+HK$1,473/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,420/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,344
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,023
−HK$690/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,121
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,426/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,578
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,405
−HK$839/mo
Today · 4.125%
HK$28,244
baseline
▲ 0.50% · 4.625%
HK$29,963
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,488/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,568
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,361
−HK$804/mo
Today · 4.125%
HK$31,165
baseline
▲ 0.50% · 4.625%
HK$32,808
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,330/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,172
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,234
−HK$1,080/mo
Today · 4.125%
HK$36,314
baseline
▲ 0.50% · 4.625%
HK$38,524
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,628/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,015
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,035
−HK$1,034/mo
Today · 4.125%
HK$40,069
baseline
▲ 0.50% · 4.625%
HK$42,181
+HK$2,112/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,138/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,764 · Scale 2, in force from 26 Feb 2026)