LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,560
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,106
−HK$555/mo
Today · 4.125%
HK$18,661
baseline
▲ 0.50% · 4.625%
HK$19,796
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,322/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,535
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,059
−HK$531/mo
Today · 4.125%
HK$20,590
baseline
▲ 0.50% · 4.625%
HK$21,676
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,180/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,072
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,727
−HK$666/mo
Today · 4.125%
HK$22,393
baseline
▲ 0.50% · 4.625%
HK$23,756
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,786/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,442
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,071
−HK$637/mo
Today · 4.125%
HK$24,708
baseline
▲ 0.50% · 4.625%
HK$26,011
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,416/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,584
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,348
−HK$777/mo
Today · 4.125%
HK$26,125
baseline
▲ 0.50% · 4.625%
HK$27,715
+HK$1,590/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,250/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,349
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,082
−HK$745/mo
Today · 4.125%
HK$28,827
baseline
▲ 0.50% · 4.625%
HK$30,346
+HK$1,519/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,654/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,607
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,591
−HK$998/mo
Today · 4.125%
HK$33,589
baseline
▲ 0.50% · 4.625%
HK$35,633
+HK$2,044/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,178/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,163
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,106
−HK$957/mo
Today · 4.125%
HK$37,063
baseline
▲ 0.50% · 4.625%
HK$39,016
+HK$1,953/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,126/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,023 · Scale 2, in force from 26 Feb 2026)