LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,375
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,978
−HK$612/mo
Today · 4.125%
HK$20,590
baseline
▲ 0.50% · 4.625%
HK$21,843
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,180/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,555
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,133
−HK$587/mo
Today · 4.125%
HK$22,720
baseline
▲ 0.50% · 4.625%
HK$23,917
+HK$1,197/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,440/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,251
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,974
−HK$735/mo
Today · 4.125%
HK$24,709
baseline
▲ 0.50% · 4.625%
HK$26,212
+HK$1,503/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,418/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,866
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,560
−HK$703/mo
Today · 4.125%
HK$27,263
baseline
▲ 0.50% · 4.625%
HK$28,701
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,526/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,126
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,969
−HK$858/mo
Today · 4.125%
HK$28,827
baseline
▲ 0.50% · 4.625%
HK$30,581
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,654/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,177
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,986
−HK$821/mo
Today · 4.125%
HK$31,807
baseline
▲ 0.50% · 4.625%
HK$33,484
+HK$1,677/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,614/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,876
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,961
−HK$1,102/mo
Today · 4.125%
HK$37,063
baseline
▲ 0.50% · 4.625%
HK$39,318
+HK$2,255/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,126/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,799
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,840
−HK$1,055/mo
Today · 4.125%
HK$40,895
baseline
▲ 0.50% · 4.625%
HK$43,051
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,790/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,912 · Scale 2, in force from 26 Feb 2026)