LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,315
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,853
−HK$548/mo
Today · 4.125%
HK$18,401
baseline
▲ 0.50% · 4.625%
HK$19,520
+HK$1,119/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,802/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,263
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,779
−HK$524/mo
Today · 4.125%
HK$20,303
baseline
▲ 0.50% · 4.625%
HK$21,373
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,606/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,778
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,424
−HK$657/mo
Today · 4.125%
HK$22,081
baseline
▲ 0.50% · 4.625%
HK$23,424
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,162/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,115
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,735
−HK$629/mo
Today · 4.125%
HK$24,364
baseline
▲ 0.50% · 4.625%
HK$25,648
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,728/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,241
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,995
−HK$766/mo
Today · 4.125%
HK$25,761
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,522/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,968
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,691
−HK$734/mo
Today · 4.125%
HK$28,425
baseline
▲ 0.50% · 4.625%
HK$29,923
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,850/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,167
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,136
−HK$985/mo
Today · 4.125%
HK$33,121
baseline
▲ 0.50% · 4.625%
HK$35,136
+HK$2,015/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,242/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,673
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,603
−HK$943/mo
Today · 4.125%
HK$36,546
baseline
▲ 0.50% · 4.625%
HK$38,472
+HK$1,926/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,092/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,802 · Scale 2, in force from 26 Feb 2026)