LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,489
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,002
−HK$521/mo
Today · 4.125%
HK$17,523
baseline
▲ 0.50% · 4.625%
HK$18,589
+HK$1,066/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,046/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,344
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,835
−HK$500/mo
Today · 4.125%
HK$19,335
baseline
▲ 0.50% · 4.625%
HK$20,354
+HK$1,019/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,670/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,786
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,402
−HK$625/mo
Today · 4.125%
HK$21,027
baseline
▲ 0.50% · 4.625%
HK$22,307
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,054/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,012
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,603
−HK$598/mo
Today · 4.125%
HK$23,201
baseline
▲ 0.50% · 4.625%
HK$24,424
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,402/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,084
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,802
−HK$730/mo
Today · 4.125%
HK$24,532
baseline
▲ 0.50% · 4.625%
HK$26,024
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,064/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,681
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,370
−HK$698/mo
Today · 4.125%
HK$27,068
baseline
▲ 0.50% · 4.625%
HK$28,495
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,136/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,680
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,603
−HK$938/mo
Today · 4.125%
HK$31,541
baseline
▲ 0.50% · 4.625%
HK$33,460
+HK$1,919/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,082/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,018
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,904
−HK$898/mo
Today · 4.125%
HK$34,802
baseline
▲ 0.50% · 4.625%
HK$36,637
+HK$1,835/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,604/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,933 · Scale 2, in force from 26 Feb 2026)