LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,329
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,868
−HK$547/mo
Today · 4.125%
HK$18,415
baseline
▲ 0.50% · 4.625%
HK$19,536
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,830/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,278
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,795
−HK$524/mo
Today · 4.125%
HK$20,319
baseline
▲ 0.50% · 4.625%
HK$21,390
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,638/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,794
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,441
−HK$657/mo
Today · 4.125%
HK$22,098
baseline
▲ 0.50% · 4.625%
HK$23,443
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,196/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,133
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,754
−HK$629/mo
Today · 4.125%
HK$24,383
baseline
▲ 0.50% · 4.625%
HK$25,669
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,766/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,260
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,015
−HK$766/mo
Today · 4.125%
HK$25,781
baseline
▲ 0.50% · 4.625%
HK$27,350
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,562/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,989
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,713
−HK$734/mo
Today · 4.125%
HK$28,447
baseline
▲ 0.50% · 4.625%
HK$29,947
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,894/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,192
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,162
−HK$985/mo
Today · 4.125%
HK$33,147
baseline
▲ 0.50% · 4.625%
HK$35,164
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,294/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,700
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,631
−HK$944/mo
Today · 4.125%
HK$36,575
baseline
▲ 0.50% · 4.625%
HK$38,503
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,150/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,983 · Scale 2, in force from 26 Feb 2026)