LTV · monthly repayment
▼ 0.50% · 3.625%
HK$14,613
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,067
−HK$462/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,474
+HK$945/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$31,058/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,256
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,692
−HK$443/mo
Today · 4.125%
HK$17,135
baseline
▲ 0.50% · 4.625%
HK$18,038
+HK$903/mo
Deposit HK$3.20M · loan HK$3.20M · min. income ≈ HK$34,270/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$175,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,535
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,081
−HK$554/mo
Today · 4.125%
HK$18,635
baseline
▲ 0.50% · 4.625%
HK$19,769
+HK$1,134/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$37,270/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,508
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,031
−HK$531/mo
Today · 4.125%
HK$20,562
baseline
▲ 0.50% · 4.625%
HK$21,646
+HK$1,084/mo
Deposit HK$2.56M · loan HK$3.85M · min. income ≈ HK$41,124/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$175,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,458
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,094
−HK$647/mo
Today · 4.125%
HK$21,741
baseline
▲ 0.50% · 4.625%
HK$23,064
+HK$1,323/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,482/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,759
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,369
−HK$620/mo
Today · 4.125%
HK$23,989
baseline
▲ 0.50% · 4.625%
HK$25,253
+HK$1,264/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$47,978/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$175,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,303
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,121
−HK$831/mo
Today · 4.125%
HK$27,952
baseline
▲ 0.50% · 4.625%
HK$29,653
+HK$1,701/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,904/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,262
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,046
−HK$797/mo
Today · 4.125%
HK$30,843
baseline
▲ 0.50% · 4.625%
HK$32,468
+HK$1,625/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,686/mo (50% DSR)
Upfront cash ≈ HK$817K (deposit + AVD stamp duty HK$175,836 · Scale 2, in force from 26 Feb 2026)