LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,492
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,005
−HK$521/mo
Today · 4.125%
HK$17,526
baseline
▲ 0.50% · 4.625%
HK$18,593
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,052/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,347
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,839
−HK$500/mo
Today · 4.125%
HK$19,339
baseline
▲ 0.50% · 4.625%
HK$20,358
+HK$1,019/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,678/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,791
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,406
−HK$626/mo
Today · 4.125%
HK$21,032
baseline
▲ 0.50% · 4.625%
HK$22,311
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,064/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,017
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,607
−HK$599/mo
Today · 4.125%
HK$23,206
baseline
▲ 0.50% · 4.625%
HK$24,430
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,412/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,089
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,807
−HK$730/mo
Today · 4.125%
HK$24,537
baseline
▲ 0.50% · 4.625%
HK$26,030
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,074/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,686
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,375
−HK$699/mo
Today · 4.125%
HK$27,074
baseline
▲ 0.50% · 4.625%
HK$28,501
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,148/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,686
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,609
−HK$939/mo
Today · 4.125%
HK$31,548
baseline
▲ 0.50% · 4.625%
HK$33,467
+HK$1,919/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,096/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,025
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,911
−HK$899/mo
Today · 4.125%
HK$34,810
baseline
▲ 0.50% · 4.625%
HK$36,644
+HK$1,834/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,620/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,979 · Scale 2, in force from 26 Feb 2026)