LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,504
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,018
−HK$521/mo
Today · 4.125%
HK$17,539
baseline
▲ 0.50% · 4.625%
HK$18,606
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,078/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,361
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,853
−HK$500/mo
Today · 4.125%
HK$19,353
baseline
▲ 0.50% · 4.625%
HK$20,373
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,706/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,805
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,421
−HK$626/mo
Today · 4.125%
HK$21,047
baseline
▲ 0.50% · 4.625%
HK$22,328
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,094/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,033
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,624
−HK$599/mo
Today · 4.125%
HK$23,223
baseline
▲ 0.50% · 4.625%
HK$24,447
+HK$1,224/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,446/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,106
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,825
−HK$730/mo
Today · 4.125%
HK$24,555
baseline
▲ 0.50% · 4.625%
HK$26,049
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,110/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,705
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,394
−HK$700/mo
Today · 4.125%
HK$27,094
baseline
▲ 0.50% · 4.625%
HK$28,522
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,188/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,707
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,632
−HK$938/mo
Today · 4.125%
HK$31,570
baseline
▲ 0.50% · 4.625%
HK$33,491
+HK$1,921/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,140/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,049
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,936
−HK$899/mo
Today · 4.125%
HK$34,835
baseline
▲ 0.50% · 4.625%
HK$36,671
+HK$1,836/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,670/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,136 · Scale 2, in force from 26 Feb 2026)