LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,989
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,579
−HK$600/mo
Today · 4.125%
HK$20,179
baseline
▲ 0.50% · 4.625%
HK$21,407
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,358/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,125
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,691
−HK$575/mo
Today · 4.125%
HK$22,266
baseline
▲ 0.50% · 4.625%
HK$23,439
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,532/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,786
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,495
−HK$720/mo
Today · 4.125%
HK$24,215
baseline
▲ 0.50% · 4.625%
HK$25,689
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,430/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,349
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,029
−HK$690/mo
Today · 4.125%
HK$26,719
baseline
▲ 0.50% · 4.625%
HK$28,127
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,438/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,584
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,411
−HK$840/mo
Today · 4.125%
HK$28,251
baseline
▲ 0.50% · 4.625%
HK$29,970
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,502/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,574
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,368
−HK$804/mo
Today · 4.125%
HK$31,172
baseline
▲ 0.50% · 4.625%
HK$32,815
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,344/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,179
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,242
−HK$1,081/mo
Today · 4.125%
HK$36,323
baseline
▲ 0.50% · 4.625%
HK$38,533
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,646/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,024
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,044
−HK$1,034/mo
Today · 4.125%
HK$40,078
baseline
▲ 0.50% · 4.625%
HK$42,191
+HK$2,113/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,156/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,821 · Scale 2, in force from 26 Feb 2026)