LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,312
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,850
−HK$547/mo
Today · 4.125%
HK$18,397
baseline
▲ 0.50% · 4.625%
HK$19,517
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,794/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,259
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,776
−HK$524/mo
Today · 4.125%
HK$20,300
baseline
▲ 0.50% · 4.625%
HK$21,370
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,600/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,774
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,420
−HK$657/mo
Today · 4.125%
HK$22,077
baseline
▲ 0.50% · 4.625%
HK$23,420
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,154/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,111
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,731
−HK$629/mo
Today · 4.125%
HK$24,360
baseline
▲ 0.50% · 4.625%
HK$25,644
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,720/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,236
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,990
−HK$766/mo
Today · 4.125%
HK$25,756
baseline
▲ 0.50% · 4.625%
HK$27,323
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,512/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,963
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,686
−HK$733/mo
Today · 4.125%
HK$28,419
baseline
▲ 0.50% · 4.625%
HK$29,917
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,838/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,161
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,130
−HK$985/mo
Today · 4.125%
HK$33,115
baseline
▲ 0.50% · 4.625%
HK$35,130
+HK$2,015/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,230/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,666
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,596
−HK$943/mo
Today · 4.125%
HK$36,539
baseline
▲ 0.50% · 4.625%
HK$38,465
+HK$1,926/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,078/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,760 · Scale 2, in force from 26 Feb 2026)