LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,256
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,792
−HK$546/mo
Today · 4.125%
HK$18,338
baseline
▲ 0.50% · 4.625%
HK$19,453
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,676/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,197
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,711
−HK$523/mo
Today · 4.125%
HK$20,234
baseline
▲ 0.50% · 4.625%
HK$21,300
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,468/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,707
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,351
−HK$654/mo
Today · 4.125%
HK$22,005
baseline
▲ 0.50% · 4.625%
HK$23,344
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,010/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,036
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,654
−HK$626/mo
Today · 4.125%
HK$24,280
baseline
▲ 0.50% · 4.625%
HK$25,560
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,560/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,158
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,909
−HK$764/mo
Today · 4.125%
HK$25,673
baseline
▲ 0.50% · 4.625%
HK$27,235
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,346/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,875
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,596
−HK$731/mo
Today · 4.125%
HK$28,327
baseline
▲ 0.50% · 4.625%
HK$29,820
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,654/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,060
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,026
−HK$982/mo
Today · 4.125%
HK$33,008
baseline
▲ 0.50% · 4.625%
HK$35,016
+HK$2,008/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,016/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,554
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,481
−HK$940/mo
Today · 4.125%
HK$36,421
baseline
▲ 0.50% · 4.625%
HK$38,341
+HK$1,920/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,842/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,021 · Scale 2, in force from 26 Feb 2026)