LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,256
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,793
−HK$545/mo
Today · 4.125%
HK$18,338
baseline
▲ 0.50% · 4.625%
HK$19,454
+HK$1,116/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$227,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,198
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,712
−HK$523/mo
Today · 4.125%
HK$20,235
baseline
▲ 0.50% · 4.625%
HK$21,301
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,470/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,708
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,352
−HK$654/mo
Today · 4.125%
HK$22,006
baseline
▲ 0.50% · 4.625%
HK$23,345
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,012/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,037
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,655
−HK$627/mo
Today · 4.125%
HK$24,282
baseline
▲ 0.50% · 4.625%
HK$25,562
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,564/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,159
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,910
−HK$764/mo
Today · 4.125%
HK$25,674
baseline
▲ 0.50% · 4.625%
HK$27,236
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,348/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,877
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,597
−HK$732/mo
Today · 4.125%
HK$28,329
baseline
▲ 0.50% · 4.625%
HK$29,822
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,658/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,061
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,028
−HK$981/mo
Today · 4.125%
HK$33,009
baseline
▲ 0.50% · 4.625%
HK$35,018
+HK$2,009/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,018/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,556
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,482
−HK$940/mo
Today · 4.125%
HK$36,422
baseline
▲ 0.50% · 4.625%
HK$38,342
+HK$1,920/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,844/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,032 · Scale 2, in force from 26 Feb 2026)