LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,352
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,892
−HK$549/mo
Today · 4.125%
HK$18,441
baseline
▲ 0.50% · 4.625%
HK$19,563
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,882/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,304
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,822
−HK$525/mo
Today · 4.125%
HK$20,347
baseline
▲ 0.50% · 4.625%
HK$21,420
+HK$1,073/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,694/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,823
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,471
−HK$658/mo
Today · 4.125%
HK$22,129
baseline
▲ 0.50% · 4.625%
HK$23,475
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$44,258/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,165
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,787
−HK$630/mo
Today · 4.125%
HK$24,417
baseline
▲ 0.50% · 4.625%
HK$25,704
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$48,834/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,293
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,049
−HK$768/mo
Today · 4.125%
HK$25,817
baseline
▲ 0.50% · 4.625%
HK$27,388
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,634/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,026
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,751
−HK$735/mo
Today · 4.125%
HK$28,486
baseline
▲ 0.50% · 4.625%
HK$29,988
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,972/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,234
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,206
−HK$987/mo
Today · 4.125%
HK$33,193
baseline
▲ 0.50% · 4.625%
HK$35,213
+HK$2,020/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,386/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,748
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,680
−HK$945/mo
Today · 4.125%
HK$36,625
baseline
▲ 0.50% · 4.625%
HK$38,556
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,250/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,297 · Scale 2, in force from 26 Feb 2026)