LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,150
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,622
−HK$478/mo
Today · 4.125%
HK$16,100
baseline
▲ 0.50% · 4.625%
HK$17,080
+HK$980/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,200/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,855
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,307
−HK$458/mo
Today · 4.125%
HK$17,765
baseline
▲ 0.50% · 4.625%
HK$18,702
+HK$937/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,530/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,180
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,746
−HK$574/mo
Today · 4.125%
HK$19,320
baseline
▲ 0.50% · 4.625%
HK$20,496
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,640/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,225
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,768
−HK$550/mo
Today · 4.125%
HK$21,318
baseline
▲ 0.50% · 4.625%
HK$22,442
+HK$1,124/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,636/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,210
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,870
−HK$670/mo
Today · 4.125%
HK$22,540
baseline
▲ 0.50% · 4.625%
HK$23,912
+HK$1,372/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,080/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,596
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,229
−HK$642/mo
Today · 4.125%
HK$24,871
baseline
▲ 0.50% · 4.625%
HK$26,182
+HK$1,311/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,742/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,270
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,119
−HK$862/mo
Today · 4.125%
HK$28,981
baseline
▲ 0.50% · 4.625%
HK$30,744
+HK$1,763/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$57,962/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,338
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,152
−HK$825/mo
Today · 4.125%
HK$31,977
baseline
▲ 0.50% · 4.625%
HK$33,663
+HK$1,686/mo
Deposit HK$664K · loan HK$5.98M · min. income ≈ HK$63,954/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,324 · Scale 2, in force from 26 Feb 2026)