LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,823
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,346
−HK$532/mo
Today · 4.125%
HK$17,878
baseline
▲ 0.50% · 4.625%
HK$18,965
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,756/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,715
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,217
−HK$509/mo
Today · 4.125%
HK$19,726
baseline
▲ 0.50% · 4.625%
HK$20,766
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,452/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,187
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,815
−HK$638/mo
Today · 4.125%
HK$21,453
baseline
▲ 0.50% · 4.625%
HK$22,758
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,906/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,458
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,060
−HK$611/mo
Today · 4.125%
HK$23,671
baseline
▲ 0.50% · 4.625%
HK$24,919
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,342/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,552
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,284
−HK$745/mo
Today · 4.125%
HK$25,029
baseline
▲ 0.50% · 4.625%
HK$26,552
+HK$1,523/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,058/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,201
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,904
−HK$713/mo
Today · 4.125%
HK$27,617
baseline
▲ 0.50% · 4.625%
HK$29,072
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,234/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,281
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,223
−HK$957/mo
Today · 4.125%
HK$32,180
baseline
▲ 0.50% · 4.625%
HK$34,138
+HK$1,958/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,360/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,687
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,590
−HK$917/mo
Today · 4.125%
HK$35,507
baseline
▲ 0.50% · 4.625%
HK$37,379
+HK$1,872/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,014/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,326 · Scale 2, in force from 26 Feb 2026)