LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,250
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,755
−HK$514/mo
Today · 4.125%
HK$17,269
baseline
▲ 0.50% · 4.625%
HK$18,319
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,538/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,077
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,562
−HK$492/mo
Today · 4.125%
HK$19,054
baseline
▲ 0.50% · 4.625%
HK$20,059
+HK$1,005/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,108/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$213,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,499
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,106
−HK$616/mo
Today · 4.125%
HK$20,722
baseline
▲ 0.50% · 4.625%
HK$21,983
+HK$1,261/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$41,444/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,693
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,275
−HK$590/mo
Today · 4.125%
HK$22,865
baseline
▲ 0.50% · 4.625%
HK$24,070
+HK$1,205/mo
Deposit HK$2.85M · loan HK$4.28M · min. income ≈ HK$45,730/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,749
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,457
−HK$719/mo
Today · 4.125%
HK$24,176
baseline
▲ 0.50% · 4.625%
HK$25,647
+HK$1,471/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,352/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,308
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,987
−HK$689/mo
Today · 4.125%
HK$26,676
baseline
▲ 0.50% · 4.625%
HK$28,082
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,352/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,249
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,159
−HK$924/mo
Today · 4.125%
HK$31,083
baseline
▲ 0.50% · 4.625%
HK$32,975
+HK$1,892/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$62,166/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,539
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,412
−HK$885/mo
Today · 4.125%
HK$34,297
baseline
▲ 0.50% · 4.625%
HK$36,105
+HK$1,808/mo
Deposit HK$713K · loan HK$6.41M · min. income ≈ HK$68,594/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,786 · Scale 2, in force from 26 Feb 2026)