LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,326
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,865
−HK$547/mo
Today · 4.125%
HK$18,412
baseline
▲ 0.50% · 4.625%
HK$19,532
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,824/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,275
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,792
−HK$524/mo
Today · 4.125%
HK$20,316
baseline
▲ 0.50% · 4.625%
HK$21,387
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,632/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,791
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,437
−HK$658/mo
Today · 4.125%
HK$22,095
baseline
▲ 0.50% · 4.625%
HK$23,439
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,190/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,130
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,750
−HK$629/mo
Today · 4.125%
HK$24,379
baseline
▲ 0.50% · 4.625%
HK$25,664
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,758/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,256
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,010
−HK$767/mo
Today · 4.125%
HK$25,777
baseline
▲ 0.50% · 4.625%
HK$27,345
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,554/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,984
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,708
−HK$734/mo
Today · 4.125%
HK$28,442
baseline
▲ 0.50% · 4.625%
HK$29,942
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,884/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,186
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,156
−HK$986/mo
Today · 4.125%
HK$33,142
baseline
▲ 0.50% · 4.625%
HK$35,158
+HK$2,016/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,284/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,694
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,625
−HK$944/mo
Today · 4.125%
HK$36,569
baseline
▲ 0.50% · 4.625%
HK$38,496
+HK$1,927/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,138/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,944 · Scale 2, in force from 26 Feb 2026)