LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,150
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,745
−HK$605/mo
Today · 4.125%
HK$20,350
baseline
▲ 0.50% · 4.625%
HK$21,589
+HK$1,239/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,700/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,304
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,875
−HK$580/mo
Today · 4.125%
HK$22,455
baseline
▲ 0.50% · 4.625%
HK$23,638
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,910/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,980
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,694
−HK$727/mo
Today · 4.125%
HK$24,421
baseline
▲ 0.50% · 4.625%
HK$25,906
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$48,842/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,564
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,250
−HK$696/mo
Today · 4.125%
HK$26,946
baseline
▲ 0.50% · 4.625%
HK$28,366
+HK$1,420/mo
Deposit HK$3.36M · loan HK$5.04M · min. income ≈ HK$53,892/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,809
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,643
−HK$848/mo
Today · 4.125%
HK$28,491
baseline
▲ 0.50% · 4.625%
HK$30,224
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$56,982/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,825
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,625
−HK$812/mo
Today · 4.125%
HK$31,437
baseline
▲ 0.50% · 4.625%
HK$33,094
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,874/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,469
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,541
−HK$1,090/mo
Today · 4.125%
HK$36,631
baseline
▲ 0.50% · 4.625%
HK$38,860
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,262/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,347
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,375
−HK$1,043/mo
Today · 4.125%
HK$40,418
baseline
▲ 0.50% · 4.625%
HK$42,549
+HK$2,131/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,836/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,941 · Scale 2, in force from 26 Feb 2026)