LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,632
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,150
−HK$525/mo
Today · 4.125%
HK$17,675
baseline
▲ 0.50% · 4.625%
HK$18,751
+HK$1,076/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$218,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,503
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,000
−HK$503/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$218,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,959
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,580
−HK$630/mo
Today · 4.125%
HK$21,210
baseline
▲ 0.50% · 4.625%
HK$22,501
+HK$1,291/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$218,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,204
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,799
−HK$605/mo
Today · 4.125%
HK$23,404
baseline
▲ 0.50% · 4.625%
HK$24,637
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,808/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,285
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,010
−HK$735/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$218,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,905
−HK$1,399/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$218,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,938
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,869
−HK$947/mo
Today · 4.125%
HK$31,816
baseline
▲ 0.50% · 4.625%
HK$33,751
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,632/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,306
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,199
−HK$906/mo
Today · 4.125%
HK$35,105
baseline
▲ 0.50% · 4.625%
HK$36,956
+HK$1,851/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$218,822 · Scale 2, in force from 26 Feb 2026)