LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,633
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,151
−HK$525/mo
Today · 4.125%
HK$17,676
baseline
▲ 0.50% · 4.625%
HK$18,752
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,352/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,504
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,001
−HK$503/mo
Today · 4.125%
HK$19,504
baseline
▲ 0.50% · 4.625%
HK$20,532
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,008/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,960
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,581
−HK$631/mo
Today · 4.125%
HK$21,212
baseline
▲ 0.50% · 4.625%
HK$22,502
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,424/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,205
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,801
−HK$604/mo
Today · 4.125%
HK$23,405
baseline
▲ 0.50% · 4.625%
HK$24,639
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,810/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,287
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,011
−HK$736/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,253
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,494/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,601
−HK$705/mo
Today · 4.125%
HK$27,306
baseline
▲ 0.50% · 4.625%
HK$28,745
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,612/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,940
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,871
−HK$947/mo
Today · 4.125%
HK$31,818
baseline
▲ 0.50% · 4.625%
HK$33,754
+HK$1,936/mo
Deposit HK$729K · loan HK$6.57M · min. income ≈ HK$63,636/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,308
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,201
−HK$907/mo
Today · 4.125%
HK$35,108
baseline
▲ 0.50% · 4.625%
HK$36,958
+HK$1,850/mo
Deposit HK$729K · loan HK$6.57M · min. income ≈ HK$70,216/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,836 · Scale 2, in force from 26 Feb 2026)