LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,035
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,627
−HK$602/mo
Today · 4.125%
HK$20,229
baseline
▲ 0.50% · 4.625%
HK$21,460
+HK$1,231/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$40,458/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,176
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,744
−HK$577/mo
Today · 4.125%
HK$22,321
baseline
▲ 0.50% · 4.625%
HK$23,497
+HK$1,176/mo
Deposit HK$4.17M · loan HK$4.17M · min. income ≈ HK$44,642/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$250,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,842
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,553
−HK$722/mo
Today · 4.125%
HK$24,275
baseline
▲ 0.50% · 4.625%
HK$25,752
+HK$1,477/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,550/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,412
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,093
−HK$692/mo
Today · 4.125%
HK$26,785
baseline
▲ 0.50% · 4.625%
HK$28,196
+HK$1,411/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,570/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,649
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,478
−HK$842/mo
Today · 4.125%
HK$28,320
baseline
▲ 0.50% · 4.625%
HK$30,044
+HK$1,724/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$56,640/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,647
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,442
−HK$807/mo
Today · 4.125%
HK$31,249
baseline
▲ 0.50% · 4.625%
HK$32,896
+HK$1,647/mo
Deposit HK$2.50M · loan HK$5.84M · min. income ≈ HK$62,498/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$250,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,263
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,329
−HK$1,083/mo
Today · 4.125%
HK$36,412
baseline
▲ 0.50% · 4.625%
HK$38,627
+HK$2,215/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$72,824/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,118
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,140
−HK$1,037/mo
Today · 4.125%
HK$40,177
baseline
▲ 0.50% · 4.625%
HK$42,295
+HK$2,118/mo
Deposit HK$835K · loan HK$7.51M · min. income ≈ HK$80,354/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,435 · Scale 2, in force from 26 Feb 2026)