LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,230
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,735
−HK$512/mo
Today · 4.125%
HK$17,247
baseline
▲ 0.50% · 4.625%
HK$18,297
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,494/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,055
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,540
−HK$491/mo
Today · 4.125%
HK$19,031
baseline
▲ 0.50% · 4.625%
HK$20,034
+HK$1,003/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,062/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,476
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,081
−HK$616/mo
Today · 4.125%
HK$20,697
baseline
▲ 0.50% · 4.625%
HK$21,956
+HK$1,259/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,394/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,666
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,248
−HK$589/mo
Today · 4.125%
HK$22,837
baseline
▲ 0.50% · 4.625%
HK$24,041
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,674/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,722
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,428
−HK$718/mo
Today · 4.125%
HK$24,146
baseline
▲ 0.50% · 4.625%
HK$25,616
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$48,292/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,278
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,955
−HK$688/mo
Today · 4.125%
HK$26,643
baseline
▲ 0.50% · 4.625%
HK$28,048
+HK$1,405/mo
Deposit HK$2.14M · loan HK$4.98M · min. income ≈ HK$53,286/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,213
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,122
−HK$923/mo
Today · 4.125%
HK$31,045
baseline
▲ 0.50% · 4.625%
HK$32,934
+HK$1,889/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,090/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,500
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,371
−HK$885/mo
Today · 4.125%
HK$34,256
baseline
▲ 0.50% · 4.625%
HK$36,061
+HK$1,805/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,512/mo (50% DSR)
Upfront cash ≈ HK$925K (deposit + AVD stamp duty HK$213,525 · Scale 2, in force from 26 Feb 2026)