LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,420
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,931
−HK$518/mo
Today · 4.125%
HK$17,449
baseline
▲ 0.50% · 4.625%
HK$18,511
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,898/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,267
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,757
−HK$497/mo
Today · 4.125%
HK$19,254
baseline
▲ 0.50% · 4.625%
HK$20,269
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,508/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,704
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,317
−HK$622/mo
Today · 4.125%
HK$20,939
baseline
▲ 0.50% · 4.625%
HK$22,213
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,878/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,920
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,508
−HK$597/mo
Today · 4.125%
HK$23,105
baseline
▲ 0.50% · 4.625%
HK$24,322
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,210/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,988
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,703
−HK$726/mo
Today · 4.125%
HK$24,429
baseline
▲ 0.50% · 4.625%
HK$25,916
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,858/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,574
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,260
−HK$695/mo
Today · 4.125%
HK$26,955
baseline
▲ 0.50% · 4.625%
HK$28,376
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,910/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,556
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,475
−HK$934/mo
Today · 4.125%
HK$31,409
baseline
▲ 0.50% · 4.625%
HK$33,320
+HK$1,911/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,818/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,880
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,762
−HK$895/mo
Today · 4.125%
HK$34,657
baseline
▲ 0.50% · 4.625%
HK$36,484
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,314/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,026 · Scale 2, in force from 26 Feb 2026)