LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,993
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,584
−HK$600/mo
Today · 4.125%
HK$20,184
baseline
▲ 0.50% · 4.625%
HK$21,412
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,368/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,130
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,696
−HK$575/mo
Today · 4.125%
HK$22,271
baseline
▲ 0.50% · 4.625%
HK$23,445
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,542/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,792
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,501
−HK$720/mo
Today · 4.125%
HK$24,221
baseline
▲ 0.50% · 4.625%
HK$25,695
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,442/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,356
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,036
−HK$690/mo
Today · 4.125%
HK$26,726
baseline
▲ 0.50% · 4.625%
HK$28,134
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,452/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,590
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,418
−HK$840/mo
Today · 4.125%
HK$28,258
baseline
▲ 0.50% · 4.625%
HK$29,977
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,516/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,582
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,375
−HK$805/mo
Today · 4.125%
HK$31,180
baseline
▲ 0.50% · 4.625%
HK$32,823
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,360/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,188
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,251
−HK$1,081/mo
Today · 4.125%
HK$36,332
baseline
▲ 0.50% · 4.625%
HK$38,542
+HK$2,210/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$72,664/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,033
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,054
−HK$1,034/mo
Today · 4.125%
HK$40,088
baseline
▲ 0.50% · 4.625%
HK$42,201
+HK$2,113/mo
Deposit HK$833K · loan HK$7.50M · min. income ≈ HK$80,176/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,882 · Scale 2, in force from 26 Feb 2026)