LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,319
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,857
−HK$548/mo
Today · 4.125%
HK$18,405
baseline
▲ 0.50% · 4.625%
HK$19,525
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,810/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,267
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,784
−HK$524/mo
Today · 4.125%
HK$20,308
baseline
▲ 0.50% · 4.625%
HK$21,378
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,616/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,782
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,429
−HK$657/mo
Today · 4.125%
HK$22,086
baseline
▲ 0.50% · 4.625%
HK$23,430
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,172/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,120
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,740
−HK$629/mo
Today · 4.125%
HK$24,369
baseline
▲ 0.50% · 4.625%
HK$25,654
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,738/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,246
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,000
−HK$767/mo
Today · 4.125%
HK$25,767
baseline
▲ 0.50% · 4.625%
HK$27,334
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,534/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,974
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,697
−HK$734/mo
Today · 4.125%
HK$28,431
baseline
▲ 0.50% · 4.625%
HK$29,930
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,862/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,174
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,143
−HK$986/mo
Today · 4.125%
HK$33,129
baseline
▲ 0.50% · 4.625%
HK$35,144
+HK$2,015/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,258/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,680
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,610
−HK$944/mo
Today · 4.125%
HK$36,554
baseline
▲ 0.50% · 4.625%
HK$38,481
+HK$1,927/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,108/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,852 · Scale 2, in force from 26 Feb 2026)