LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,782
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,335
−HK$562/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$20,047
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,782
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,312
−HK$539/mo
Today · 4.125%
HK$20,851
baseline
▲ 0.50% · 4.625%
HK$21,950
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,702/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,338
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,002
−HK$674/mo
Today · 4.125%
HK$22,676
baseline
▲ 0.50% · 4.625%
HK$24,056
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,352/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,738
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,375
−HK$646/mo
Today · 4.125%
HK$25,021
baseline
▲ 0.50% · 4.625%
HK$26,340
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,042/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,894
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,669
−HK$786/mo
Today · 4.125%
HK$26,455
baseline
▲ 0.50% · 4.625%
HK$28,065
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,910/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,695
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,437
−HK$754/mo
Today · 4.125%
HK$29,191
baseline
▲ 0.50% · 4.625%
HK$30,730
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,382/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,007
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,003
−HK$1,011/mo
Today · 4.125%
HK$34,014
baseline
▲ 0.50% · 4.625%
HK$36,084
+HK$2,070/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,028/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,608
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,562
−HK$969/mo
Today · 4.125%
HK$37,531
baseline
▲ 0.50% · 4.625%
HK$39,510
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,062/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,944 · Scale 2, in force from 26 Feb 2026)