LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,337
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,876
−HK$548/mo
Today · 4.125%
HK$18,424
baseline
▲ 0.50% · 4.625%
HK$19,545
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,848/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,287
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,804
−HK$525/mo
Today · 4.125%
HK$20,329
baseline
▲ 0.50% · 4.625%
HK$21,400
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,658/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,804
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,451
−HK$657/mo
Today · 4.125%
HK$22,108
baseline
▲ 0.50% · 4.625%
HK$23,454
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,216/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,144
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,765
−HK$630/mo
Today · 4.125%
HK$24,395
baseline
▲ 0.50% · 4.625%
HK$25,680
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,790/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,271
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,026
−HK$767/mo
Today · 4.125%
HK$25,793
baseline
▲ 0.50% · 4.625%
HK$27,363
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,586/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,001
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,726
−HK$734/mo
Today · 4.125%
HK$28,460
baseline
▲ 0.50% · 4.625%
HK$29,960
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,920/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,206
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,176
−HK$987/mo
Today · 4.125%
HK$33,163
baseline
▲ 0.50% · 4.625%
HK$35,181
+HK$2,018/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,326/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,716
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,647
−HK$945/mo
Today · 4.125%
HK$36,592
baseline
▲ 0.50% · 4.625%
HK$38,521
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,184/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,088 · Scale 2, in force from 26 Feb 2026)