LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,430
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,941
−HK$519/mo
Today · 4.125%
HK$17,460
baseline
▲ 0.50% · 4.625%
HK$18,522
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,920/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,278
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,768
−HK$497/mo
Today · 4.125%
HK$19,265
baseline
▲ 0.50% · 4.625%
HK$20,281
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,530/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,716
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,329
−HK$623/mo
Today · 4.125%
HK$20,952
baseline
▲ 0.50% · 4.625%
HK$22,227
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,904/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,933
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,522
−HK$596/mo
Today · 4.125%
HK$23,118
baseline
▲ 0.50% · 4.625%
HK$24,337
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,236/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,001
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,717
−HK$727/mo
Today · 4.125%
HK$24,444
baseline
▲ 0.50% · 4.625%
HK$25,931
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,888/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,589
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,275
−HK$696/mo
Today · 4.125%
HK$26,971
baseline
▲ 0.50% · 4.625%
HK$28,393
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,942/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,573
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,493
−HK$935/mo
Today · 4.125%
HK$31,428
baseline
▲ 0.50% · 4.625%
HK$33,340
+HK$1,912/mo
Deposit HK$721K · loan HK$6.48M · min. income ≈ HK$62,856/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,900
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,782
−HK$895/mo
Today · 4.125%
HK$34,677
baseline
▲ 0.50% · 4.625%
HK$36,505
+HK$1,828/mo
Deposit HK$721K · loan HK$6.48M · min. income ≈ HK$69,354/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,155 · Scale 2, in force from 26 Feb 2026)