LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,200
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,797
−HK$607/mo
Today · 4.125%
HK$20,404
baseline
▲ 0.50% · 4.625%
HK$21,645
+HK$1,241/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$40,808/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,360
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,933
−HK$581/mo
Today · 4.125%
HK$22,514
baseline
▲ 0.50% · 4.625%
HK$23,700
+HK$1,186/mo
Deposit HK$4.21M · loan HK$4.21M · min. income ≈ HK$45,028/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$252,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,040
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,757
−HK$728/mo
Today · 4.125%
HK$24,485
baseline
▲ 0.50% · 4.625%
HK$25,974
+HK$1,489/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$48,970/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,632
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,319
−HK$697/mo
Today · 4.125%
HK$27,016
baseline
▲ 0.50% · 4.625%
HK$28,440
+HK$1,424/mo
Deposit HK$3.37M · loan HK$5.05M · min. income ≈ HK$54,032/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$252,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,880
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,716
−HK$849/mo
Today · 4.125%
HK$28,565
baseline
▲ 0.50% · 4.625%
HK$30,304
+HK$1,739/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$57,130/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,904
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,706
−HK$813/mo
Today · 4.125%
HK$31,519
baseline
▲ 0.50% · 4.625%
HK$33,181
+HK$1,662/mo
Deposit HK$2.53M · loan HK$5.89M · min. income ≈ HK$63,038/mo (50% DSR)
Upfront cash ≈ HK$2.78M (deposit + AVD stamp duty HK$252,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,560
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,635
−HK$1,092/mo
Today · 4.125%
HK$36,727
baseline
▲ 0.50% · 4.625%
HK$38,962
+HK$2,235/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$73,454/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,447
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,479
−HK$1,046/mo
Today · 4.125%
HK$40,525
baseline
▲ 0.50% · 4.625%
HK$42,661
+HK$2,136/mo
Deposit HK$842K · loan HK$7.58M · min. income ≈ HK$81,050/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$252,602 · Scale 2, in force from 26 Feb 2026)