LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,150
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,746
−HK$605/mo
Today · 4.125%
HK$20,351
baseline
▲ 0.50% · 4.625%
HK$21,589
+HK$1,238/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,702/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,304
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,876
−HK$579/mo
Today · 4.125%
HK$22,455
baseline
▲ 0.50% · 4.625%
HK$23,639
+HK$1,184/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$251,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,980
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,695
−HK$726/mo
Today · 4.125%
HK$24,421
baseline
▲ 0.50% · 4.625%
HK$25,907
+HK$1,486/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$251,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,565
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,251
−HK$695/mo
Today · 4.125%
HK$26,946
baseline
▲ 0.50% · 4.625%
HK$28,367
+HK$1,421/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$251,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,810
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,644
−HK$847/mo
Today · 4.125%
HK$28,491
baseline
▲ 0.50% · 4.625%
HK$30,225
+HK$1,734/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$251,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,826
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,626
−HK$812/mo
Today · 4.125%
HK$31,438
baseline
▲ 0.50% · 4.625%
HK$33,095
+HK$1,657/mo
Deposit HK$2.52M · loan HK$5.88M · min. income ≈ HK$62,876/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,470
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,543
−HK$1,089/mo
Today · 4.125%
HK$36,632
baseline
▲ 0.50% · 4.625%
HK$38,861
+HK$2,229/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$73,264/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,348
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,376
−HK$1,044/mo
Today · 4.125%
HK$40,420
baseline
▲ 0.50% · 4.625%
HK$42,550
+HK$2,130/mo
Deposit HK$840K · loan HK$7.56M · min. income ≈ HK$80,840/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,948 · Scale 2, in force from 26 Feb 2026)