LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,632
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,149
−HK$526/mo
Today · 4.125%
HK$17,675
baseline
▲ 0.50% · 4.625%
HK$18,750
+HK$1,075/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,350/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,503
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,999
−HK$504/mo
Today · 4.125%
HK$19,503
baseline
▲ 0.50% · 4.625%
HK$20,531
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,006/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,958
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,579
−HK$631/mo
Today · 4.125%
HK$21,210
baseline
▲ 0.50% · 4.625%
HK$22,500
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,420/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,203
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,799
−HK$604/mo
Today · 4.125%
HK$23,403
baseline
▲ 0.50% · 4.625%
HK$24,637
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,806/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,285
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,009
−HK$736/mo
Today · 4.125%
HK$24,745
baseline
▲ 0.50% · 4.625%
HK$26,251
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,490/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,904
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,599
−HK$705/mo
Today · 4.125%
HK$27,304
baseline
▲ 0.50% · 4.625%
HK$28,743
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,608/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,938
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,869
−HK$946/mo
Today · 4.125%
HK$31,815
baseline
▲ 0.50% · 4.625%
HK$33,751
+HK$1,936/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,630/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,305
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,198
−HK$907/mo
Today · 4.125%
HK$35,105
baseline
▲ 0.50% · 4.625%
HK$36,955
+HK$1,850/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,210/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,818 · Scale 2, in force from 26 Feb 2026)