LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,329
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,868
−HK$548/mo
Today · 4.125%
HK$18,416
baseline
▲ 0.50% · 4.625%
HK$19,537
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,832/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,279
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,796
−HK$524/mo
Today · 4.125%
HK$20,320
baseline
▲ 0.50% · 4.625%
HK$21,391
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,640/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,795
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,442
−HK$657/mo
Today · 4.125%
HK$22,099
baseline
▲ 0.50% · 4.625%
HK$23,444
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,198/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,135
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,755
−HK$629/mo
Today · 4.125%
HK$24,384
baseline
▲ 0.50% · 4.625%
HK$25,670
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,768/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,261
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,016
−HK$767/mo
Today · 4.125%
HK$25,783
baseline
▲ 0.50% · 4.625%
HK$27,351
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,566/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,990
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,714
−HK$735/mo
Today · 4.125%
HK$28,449
baseline
▲ 0.50% · 4.625%
HK$29,948
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,898/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,193
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,163
−HK$986/mo
Today · 4.125%
HK$33,149
baseline
▲ 0.50% · 4.625%
HK$35,166
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,298/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,702
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,633
−HK$944/mo
Today · 4.125%
HK$36,577
baseline
▲ 0.50% · 4.625%
HK$38,505
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,154/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,993 · Scale 2, in force from 26 Feb 2026)