LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,034
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,532
−HK$507/mo
Today · 4.125%
HK$17,039
baseline
▲ 0.50% · 4.625%
HK$18,076
+HK$1,037/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,078/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,837
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,316
−HK$485/mo
Today · 4.125%
HK$18,801
baseline
▲ 0.50% · 4.625%
HK$19,792
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,602/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$210,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,240
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,839
−HK$608/mo
Today · 4.125%
HK$20,447
baseline
▲ 0.50% · 4.625%
HK$21,691
+HK$1,244/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,894/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,405
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,979
−HK$582/mo
Today · 4.125%
HK$22,561
baseline
▲ 0.50% · 4.625%
HK$23,750
+HK$1,189/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,122/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$210,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,447
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,145
−HK$710/mo
Today · 4.125%
HK$23,855
baseline
▲ 0.50% · 4.625%
HK$25,306
+HK$1,451/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,710/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,972
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,642
−HK$679/mo
Today · 4.125%
HK$26,321
baseline
▲ 0.50% · 4.625%
HK$27,709
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,642/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$210,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,861
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,758
−HK$912/mo
Today · 4.125%
HK$30,670
baseline
▲ 0.50% · 4.625%
HK$32,537
+HK$1,867/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,340/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,107
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,968
−HK$874/mo
Today · 4.125%
HK$33,842
baseline
▲ 0.50% · 4.625%
HK$35,626
+HK$1,784/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,684/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$210,946 · Scale 2, in force from 26 Feb 2026)