LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,030
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$507/mo
Today · 4.125%
HK$17,036
baseline
▲ 0.50% · 4.625%
HK$18,072
+HK$1,036/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,072/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,834
−HK$963/mo
▼ 0.25% · 3.875%
HK$18,312
−HK$485/mo
Today · 4.125%
HK$18,797
baseline
▲ 0.50% · 4.625%
HK$19,788
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,594/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,236
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,835
−HK$608/mo
Today · 4.125%
HK$20,443
baseline
▲ 0.50% · 4.625%
HK$21,687
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,886/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,400
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,974
−HK$583/mo
Today · 4.125%
HK$22,557
baseline
▲ 0.50% · 4.625%
HK$23,746
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,114/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,141
−HK$709/mo
Today · 4.125%
HK$23,850
baseline
▲ 0.50% · 4.625%
HK$25,301
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,700/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,967
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,637
−HK$679/mo
Today · 4.125%
HK$26,316
baseline
▲ 0.50% · 4.625%
HK$27,703
+HK$1,387/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,632/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,855
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,752
−HK$912/mo
Today · 4.125%
HK$30,664
baseline
▲ 0.50% · 4.625%
HK$32,530
+HK$1,866/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,328/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,961
−HK$874/mo
Today · 4.125%
HK$33,835
baseline
▲ 0.50% · 4.625%
HK$35,618
+HK$1,783/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,670/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,903 · Scale 2, in force from 26 Feb 2026)