LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,040
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$16,538
−HK$507/mo
Today · 4.125%
HK$17,045
baseline
▲ 0.50% · 4.625%
HK$18,083
+HK$1,038/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$34,090/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,844
−HK$964/mo
▼ 0.25% · 3.875%
HK$18,322
−HK$486/mo
Today · 4.125%
HK$18,808
baseline
▲ 0.50% · 4.625%
HK$19,799
+HK$991/mo
Deposit HK$3.52M · loan HK$3.52M · min. income ≈ HK$37,616/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$211,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,247
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,846
−HK$608/mo
Today · 4.125%
HK$20,454
baseline
▲ 0.50% · 4.625%
HK$21,699
+HK$1,245/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$40,908/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$211,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,413
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,987
−HK$582/mo
Today · 4.125%
HK$22,569
baseline
▲ 0.50% · 4.625%
HK$23,759
+HK$1,190/mo
Deposit HK$2.81M · loan HK$4.22M · min. income ≈ HK$45,138/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$211,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,455
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,154
−HK$709/mo
Today · 4.125%
HK$23,863
baseline
▲ 0.50% · 4.625%
HK$25,316
+HK$1,453/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$47,726/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,981
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,651
−HK$680/mo
Today · 4.125%
HK$26,331
baseline
▲ 0.50% · 4.625%
HK$27,719
+HK$1,388/mo
Deposit HK$2.11M · loan HK$4.92M · min. income ≈ HK$52,662/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$211,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,871
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,769
−HK$913/mo
Today · 4.125%
HK$30,682
baseline
▲ 0.50% · 4.625%
HK$32,549
+HK$1,867/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$61,364/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$211,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,119
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,980
−HK$874/mo
Today · 4.125%
HK$33,854
baseline
▲ 0.50% · 4.625%
HK$35,639
+HK$1,785/mo
Deposit HK$703K · loan HK$6.33M · min. income ≈ HK$67,708/mo (50% DSR)
Upfront cash ≈ HK$914K (deposit + AVD stamp duty HK$211,023 · Scale 2, in force from 26 Feb 2026)