LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,148
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,743
−HK$605/mo
Today · 4.125%
HK$20,348
baseline
▲ 0.50% · 4.625%
HK$21,587
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,696/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,302
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,873
−HK$579/mo
Today · 4.125%
HK$22,452
baseline
▲ 0.50% · 4.625%
HK$23,636
+HK$1,184/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,904/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,977
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,692
−HK$726/mo
Today · 4.125%
HK$24,418
baseline
▲ 0.50% · 4.625%
HK$25,904
+HK$1,486/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,836/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,562
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,247
−HK$696/mo
Today · 4.125%
HK$26,943
baseline
▲ 0.50% · 4.625%
HK$28,363
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,886/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,807
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,641
−HK$847/mo
Today · 4.125%
HK$28,488
baseline
▲ 0.50% · 4.625%
HK$30,221
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,976/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,822
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,622
−HK$811/mo
Today · 4.125%
HK$31,433
baseline
▲ 0.50% · 4.625%
HK$33,090
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,866/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,466
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,538
−HK$1,089/mo
Today · 4.125%
HK$36,627
baseline
▲ 0.50% · 4.625%
HK$38,856
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,254/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,343
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,371
−HK$1,043/mo
Today · 4.125%
HK$40,414
baseline
▲ 0.50% · 4.625%
HK$42,545
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,828/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,915 · Scale 2, in force from 26 Feb 2026)