LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,377
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,980
−HK$612/mo
Today · 4.125%
HK$20,592
baseline
▲ 0.50% · 4.625%
HK$21,845
+HK$1,253/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$41,184/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,556
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,135
−HK$586/mo
Today · 4.125%
HK$22,721
baseline
▲ 0.50% · 4.625%
HK$23,919
+HK$1,198/mo
Deposit HK$4.25M · loan HK$4.25M · min. income ≈ HK$45,442/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,252
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,975
−HK$735/mo
Today · 4.125%
HK$24,710
baseline
▲ 0.50% · 4.625%
HK$26,214
+HK$1,504/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$49,420/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,868
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,562
−HK$703/mo
Today · 4.125%
HK$27,265
baseline
▲ 0.50% · 4.625%
HK$28,703
+HK$1,438/mo
Deposit HK$3.40M · loan HK$5.10M · min. income ≈ HK$54,530/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,128
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$27,971
−HK$858/mo
Today · 4.125%
HK$28,829
baseline
▲ 0.50% · 4.625%
HK$30,583
+HK$1,754/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$57,658/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,179
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,988
−HK$822/mo
Today · 4.125%
HK$31,810
baseline
▲ 0.50% · 4.625%
HK$33,486
+HK$1,676/mo
Deposit HK$2.55M · loan HK$5.95M · min. income ≈ HK$63,620/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,878
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,963
−HK$1,102/mo
Today · 4.125%
HK$37,065
baseline
▲ 0.50% · 4.625%
HK$39,321
+HK$2,256/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$74,130/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,802
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,842
−HK$1,056/mo
Today · 4.125%
HK$40,898
baseline
▲ 0.50% · 4.625%
HK$43,054
+HK$2,156/mo
Deposit HK$850K · loan HK$7.65M · min. income ≈ HK$81,796/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,930 · Scale 2, in force from 26 Feb 2026)