LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,574
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,121
−HK$555/mo
Today · 4.125%
HK$18,676
baseline
▲ 0.50% · 4.625%
HK$19,812
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,352/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,551
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$532/mo
Today · 4.125%
HK$20,607
baseline
▲ 0.50% · 4.625%
HK$21,693
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,214/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,089
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,745
−HK$666/mo
Today · 4.125%
HK$22,411
baseline
▲ 0.50% · 4.625%
HK$23,775
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,822/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,461
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,090
−HK$639/mo
Today · 4.125%
HK$24,729
baseline
▲ 0.50% · 4.625%
HK$26,032
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,458/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,604
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,369
−HK$777/mo
Today · 4.125%
HK$26,146
baseline
▲ 0.50% · 4.625%
HK$27,737
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,292/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,371
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,105
−HK$745/mo
Today · 4.125%
HK$28,850
baseline
▲ 0.50% · 4.625%
HK$30,371
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,700/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,633
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,617
−HK$1,000/mo
Today · 4.125%
HK$33,617
baseline
▲ 0.50% · 4.625%
HK$35,662
+HK$2,045/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,234/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,192
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,135
−HK$958/mo
Today · 4.125%
HK$37,093
baseline
▲ 0.50% · 4.625%
HK$39,048
+HK$1,955/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,186/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,211 · Scale 2, in force from 26 Feb 2026)