LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,515
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,997
−HK$490/mo
Today · 4.125%
HK$16,487
baseline
▲ 0.50% · 4.625%
HK$17,491
+HK$1,004/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$32,974/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,260
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,723
−HK$469/mo
Today · 4.125%
HK$18,192
baseline
▲ 0.50% · 4.625%
HK$19,151
+HK$959/mo
Deposit HK$3.40M · loan HK$3.40M · min. income ≈ HK$36,384/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$204,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,617
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,197
−HK$588/mo
Today · 4.125%
HK$19,785
baseline
▲ 0.50% · 4.625%
HK$20,989
+HK$1,204/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$39,570/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,712
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,267
−HK$564/mo
Today · 4.125%
HK$21,831
baseline
▲ 0.50% · 4.625%
HK$22,981
+HK$1,150/mo
Deposit HK$2.72M · loan HK$4.08M · min. income ≈ HK$43,662/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$204,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,720
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,396
−HK$686/mo
Today · 4.125%
HK$23,082
baseline
▲ 0.50% · 4.625%
HK$24,487
+HK$1,405/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$46,164/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,164
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,812
−HK$657/mo
Today · 4.125%
HK$25,469
baseline
▲ 0.50% · 4.625%
HK$26,812
+HK$1,343/mo
Deposit HK$2.04M · loan HK$4.76M · min. income ≈ HK$50,938/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$204,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,926
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,795
−HK$882/mo
Today · 4.125%
HK$29,677
baseline
▲ 0.50% · 4.625%
HK$31,483
+HK$1,806/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$59,354/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,068
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,901
−HK$845/mo
Today · 4.125%
HK$32,746
baseline
▲ 0.50% · 4.625%
HK$34,472
+HK$1,726/mo
Deposit HK$680K · loan HK$6.12M · min. income ≈ HK$65,492/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$204,116 · Scale 2, in force from 26 Feb 2026)