LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,162
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,633
−HK$479/mo
Today · 4.125%
HK$16,112
baseline
▲ 0.50% · 4.625%
HK$17,093
+HK$981/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$32,224/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,867
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,320
−HK$458/mo
Today · 4.125%
HK$17,778
baseline
▲ 0.50% · 4.625%
HK$18,716
+HK$938/mo
Deposit HK$3.32M · loan HK$3.32M · min. income ≈ HK$35,556/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$199,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,194
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,760
−HK$575/mo
Today · 4.125%
HK$19,335
baseline
▲ 0.50% · 4.625%
HK$20,511
+HK$1,176/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$38,670/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,241
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,783
−HK$551/mo
Today · 4.125%
HK$21,334
baseline
▲ 0.50% · 4.625%
HK$22,459
+HK$1,125/mo
Deposit HK$2.66M · loan HK$3.99M · min. income ≈ HK$42,668/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$199,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,226
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,887
−HK$670/mo
Today · 4.125%
HK$22,557
baseline
▲ 0.50% · 4.625%
HK$23,930
+HK$1,373/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$45,114/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,614
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,247
−HK$643/mo
Today · 4.125%
HK$24,890
baseline
▲ 0.50% · 4.625%
HK$26,202
+HK$1,312/mo
Deposit HK$1.99M · loan HK$4.65M · min. income ≈ HK$49,780/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$199,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,291
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,140
−HK$862/mo
Today · 4.125%
HK$29,002
baseline
▲ 0.50% · 4.625%
HK$30,767
+HK$1,765/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$58,004/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,361
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,175
−HK$826/mo
Today · 4.125%
HK$32,001
baseline
▲ 0.50% · 4.625%
HK$33,688
+HK$1,687/mo
Deposit HK$665K · loan HK$5.98M · min. income ≈ HK$64,002/mo (50% DSR)
Upfront cash ≈ HK$864K (deposit + AVD stamp duty HK$199,473 · Scale 2, in force from 26 Feb 2026)