LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,092
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,686
−HK$603/mo
Today · 4.125%
HK$20,289
baseline
▲ 0.50% · 4.625%
HK$21,524
+HK$1,235/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$40,578/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,240
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,810
−HK$577/mo
Today · 4.125%
HK$22,387
baseline
▲ 0.50% · 4.625%
HK$23,568
+HK$1,181/mo
Deposit HK$4.19M · loan HK$4.19M · min. income ≈ HK$44,774/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$251,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,911
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,623
−HK$724/mo
Today · 4.125%
HK$24,347
baseline
▲ 0.50% · 4.625%
HK$25,829
+HK$1,482/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$48,694/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,488
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,171
−HK$694/mo
Today · 4.125%
HK$26,865
baseline
▲ 0.50% · 4.625%
HK$28,281
+HK$1,416/mo
Deposit HK$3.35M · loan HK$5.02M · min. income ≈ HK$53,730/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$251,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,729
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,561
−HK$844/mo
Today · 4.125%
HK$28,405
baseline
▲ 0.50% · 4.625%
HK$30,134
+HK$1,729/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$56,810/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,736
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,533
−HK$809/mo
Today · 4.125%
HK$31,342
baseline
▲ 0.50% · 4.625%
HK$32,995
+HK$1,653/mo
Deposit HK$2.51M · loan HK$5.86M · min. income ≈ HK$62,684/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$251,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,366
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,435
−HK$1,086/mo
Today · 4.125%
HK$36,521
baseline
▲ 0.50% · 4.625%
HK$38,743
+HK$2,222/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$73,042/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,232
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,257
−HK$1,040/mo
Today · 4.125%
HK$40,297
baseline
▲ 0.50% · 4.625%
HK$42,422
+HK$2,125/mo
Deposit HK$837K · loan HK$7.54M · min. income ≈ HK$80,594/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,186 · Scale 2, in force from 26 Feb 2026)