LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,327
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,866
−HK$548/mo
Today · 4.125%
HK$18,414
baseline
▲ 0.50% · 4.625%
HK$19,534
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,828/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,276
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,793
−HK$525/mo
Today · 4.125%
HK$20,318
baseline
▲ 0.50% · 4.625%
HK$21,389
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,636/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,793
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,439
−HK$657/mo
Today · 4.125%
HK$22,096
baseline
▲ 0.50% · 4.625%
HK$23,441
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,192/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,131
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,752
−HK$629/mo
Today · 4.125%
HK$24,381
baseline
▲ 0.50% · 4.625%
HK$25,666
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,762/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,258
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,013
−HK$766/mo
Today · 4.125%
HK$25,779
baseline
▲ 0.50% · 4.625%
HK$27,348
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,558/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,987
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,711
−HK$734/mo
Today · 4.125%
HK$28,445
baseline
▲ 0.50% · 4.625%
HK$29,944
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,890/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,189
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,159
−HK$986/mo
Today · 4.125%
HK$33,145
baseline
▲ 0.50% · 4.625%
HK$35,161
+HK$2,016/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,290/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,697
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,628
−HK$944/mo
Today · 4.125%
HK$36,572
baseline
▲ 0.50% · 4.625%
HK$38,500
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,144/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,963 · Scale 2, in force from 26 Feb 2026)