LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,640
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,157
−HK$526/mo
Today · 4.125%
HK$17,683
baseline
▲ 0.50% · 4.625%
HK$18,759
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,366/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,511
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,008
−HK$504/mo
Today · 4.125%
HK$19,512
baseline
▲ 0.50% · 4.625%
HK$20,540
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,024/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,968
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,589
−HK$631/mo
Today · 4.125%
HK$21,220
baseline
▲ 0.50% · 4.625%
HK$22,511
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,440/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,214
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,809
−HK$605/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,648
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,828/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,295
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,020
−HK$736/mo
Today · 4.125%
HK$24,756
baseline
▲ 0.50% · 4.625%
HK$26,263
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,512/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,916
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,611
−HK$705/mo
Today · 4.125%
HK$27,316
baseline
▲ 0.50% · 4.625%
HK$28,756
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,632/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,951
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,883
−HK$946/mo
Today · 4.125%
HK$31,829
baseline
▲ 0.50% · 4.625%
HK$33,766
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,658/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,321
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,214
−HK$907/mo
Today · 4.125%
HK$35,121
baseline
▲ 0.50% · 4.625%
HK$36,972
+HK$1,851/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,242/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,918 · Scale 2, in force from 26 Feb 2026)