LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,989
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,580
−HK$600/mo
Today · 4.125%
HK$20,180
baseline
▲ 0.50% · 4.625%
HK$21,408
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,360/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,125
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,692
−HK$575/mo
Today · 4.125%
HK$22,267
baseline
▲ 0.50% · 4.625%
HK$23,440
+HK$1,173/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,534/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,787
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,496
−HK$720/mo
Today · 4.125%
HK$24,216
baseline
▲ 0.50% · 4.625%
HK$25,690
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,432/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,350
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,030
−HK$690/mo
Today · 4.125%
HK$26,720
baseline
▲ 0.50% · 4.625%
HK$28,128
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,440/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,585
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,412
−HK$840/mo
Today · 4.125%
HK$28,252
baseline
▲ 0.50% · 4.625%
HK$29,971
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,504/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,575
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,369
−HK$804/mo
Today · 4.125%
HK$31,173
baseline
▲ 0.50% · 4.625%
HK$32,817
+HK$1,644/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,346/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,181
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,244
−HK$1,080/mo
Today · 4.125%
HK$36,324
baseline
▲ 0.50% · 4.625%
HK$38,534
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,648/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,026
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,045
−HK$1,035/mo
Today · 4.125%
HK$40,080
baseline
▲ 0.50% · 4.625%
HK$42,193
+HK$2,113/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,160/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,831 · Scale 2, in force from 26 Feb 2026)