LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,000
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,498
−HK$505/mo
Today · 4.125%
HK$17,003
baseline
▲ 0.50% · 4.625%
HK$18,038
+HK$1,035/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$34,006/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,800
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,277
−HK$484/mo
Today · 4.125%
HK$18,761
baseline
▲ 0.50% · 4.625%
HK$19,750
+HK$989/mo
Deposit HK$3.51M · loan HK$3.51M · min. income ≈ HK$37,522/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$210,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,200
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,797
−HK$607/mo
Today · 4.125%
HK$20,404
baseline
▲ 0.50% · 4.625%
HK$21,645
+HK$1,241/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$40,808/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,360
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,932
−HK$582/mo
Today · 4.125%
HK$22,514
baseline
▲ 0.50% · 4.625%
HK$23,700
+HK$1,186/mo
Deposit HK$2.81M · loan HK$4.21M · min. income ≈ HK$45,028/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,400
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,097
−HK$707/mo
Today · 4.125%
HK$23,804
baseline
▲ 0.50% · 4.625%
HK$25,253
+HK$1,449/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$47,608/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,920
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$678/mo
Today · 4.125%
HK$26,266
baseline
▲ 0.50% · 4.625%
HK$27,650
+HK$1,384/mo
Deposit HK$2.11M · loan HK$4.91M · min. income ≈ HK$52,532/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,800
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,696
−HK$910/mo
Today · 4.125%
HK$30,606
baseline
▲ 0.50% · 4.625%
HK$32,468
+HK$1,862/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$61,212/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,039
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,899
−HK$871/mo
Today · 4.125%
HK$33,770
baseline
▲ 0.50% · 4.625%
HK$35,551
+HK$1,781/mo
Deposit HK$702K · loan HK$6.32M · min. income ≈ HK$67,540/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$210,501 · Scale 2, in force from 26 Feb 2026)