LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,578
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,094
−HK$524/mo
Today · 4.125%
HK$17,618
baseline
▲ 0.50% · 4.625%
HK$18,690
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,236/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,443
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,938
−HK$501/mo
Today · 4.125%
HK$19,439
baseline
▲ 0.50% · 4.625%
HK$20,464
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,878/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,894
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,512
−HK$629/mo
Today · 4.125%
HK$21,141
baseline
▲ 0.50% · 4.625%
HK$22,428
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,282/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,132
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,725
−HK$602/mo
Today · 4.125%
HK$23,327
baseline
▲ 0.50% · 4.625%
HK$24,557
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,654/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,209
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,931
−HK$734/mo
Today · 4.125%
HK$24,665
baseline
▲ 0.50% · 4.625%
HK$26,165
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,330/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,820
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,513
−HK$702/mo
Today · 4.125%
HK$27,215
baseline
▲ 0.50% · 4.625%
HK$28,650
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,430/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,841
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,769
−HK$943/mo
Today · 4.125%
HK$31,712
baseline
▲ 0.50% · 4.625%
HK$33,641
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,424/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,197
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,088
−HK$903/mo
Today · 4.125%
HK$34,991
baseline
▲ 0.50% · 4.625%
HK$36,835
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,982/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,108 · Scale 2, in force from 26 Feb 2026)