LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,501
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,015
−HK$521/mo
Today · 4.125%
HK$17,536
baseline
▲ 0.50% · 4.625%
HK$18,603
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,072/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,358
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,850
−HK$500/mo
Today · 4.125%
HK$19,350
baseline
▲ 0.50% · 4.625%
HK$20,369
+HK$1,019/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,700/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,802
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,418
−HK$625/mo
Today · 4.125%
HK$21,043
baseline
▲ 0.50% · 4.625%
HK$22,324
+HK$1,281/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,086/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,029
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,620
−HK$599/mo
Today · 4.125%
HK$23,219
baseline
▲ 0.50% · 4.625%
HK$24,443
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,438/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,102
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,821
−HK$730/mo
Today · 4.125%
HK$24,551
baseline
▲ 0.50% · 4.625%
HK$26,045
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,102/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,701
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,390
−HK$699/mo
Today · 4.125%
HK$27,089
baseline
▲ 0.50% · 4.625%
HK$28,517
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,178/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,703
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,627
−HK$938/mo
Today · 4.125%
HK$31,565
baseline
▲ 0.50% · 4.625%
HK$33,486
+HK$1,921/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,130/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,044
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,930
−HK$899/mo
Today · 4.125%
HK$34,829
baseline
▲ 0.50% · 4.625%
HK$36,665
+HK$1,836/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,658/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,100 · Scale 2, in force from 26 Feb 2026)