LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,373
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,976
−HK$612/mo
Today · 4.125%
HK$20,588
baseline
▲ 0.50% · 4.625%
HK$21,841
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,176/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,552
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,130
−HK$587/mo
Today · 4.125%
HK$22,717
baseline
▲ 0.50% · 4.625%
HK$23,914
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,434/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,248
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,971
−HK$734/mo
Today · 4.125%
HK$24,705
baseline
▲ 0.50% · 4.625%
HK$26,209
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,410/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,863
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,556
−HK$704/mo
Today · 4.125%
HK$27,260
baseline
▲ 0.50% · 4.625%
HK$28,697
+HK$1,437/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,520/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,122
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,966
−HK$857/mo
Today · 4.125%
HK$28,823
baseline
▲ 0.50% · 4.625%
HK$30,577
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,646/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,173
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,982
−HK$821/mo
Today · 4.125%
HK$31,803
baseline
▲ 0.50% · 4.625%
HK$33,480
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,606/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,871
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,956
−HK$1,102/mo
Today · 4.125%
HK$37,058
baseline
▲ 0.50% · 4.625%
HK$39,313
+HK$2,255/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,116/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,794
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,835
−HK$1,055/mo
Today · 4.125%
HK$40,890
baseline
▲ 0.50% · 4.625%
HK$43,045
+HK$2,155/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,780/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,880 · Scale 2, in force from 26 Feb 2026)