LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,001
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,561
−HK$569/mo
Today · 4.125%
HK$19,130
baseline
▲ 0.50% · 4.625%
HK$20,294
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,260/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,026
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,563
−HK$545/mo
Today · 4.125%
HK$21,108
baseline
▲ 0.50% · 4.625%
HK$22,221
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,216/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,602
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$683/mo
Today · 4.125%
HK$22,956
baseline
▲ 0.50% · 4.625%
HK$24,353
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,912/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,032
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,676
−HK$654/mo
Today · 4.125%
HK$25,330
baseline
▲ 0.50% · 4.625%
HK$26,665
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,660/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,202
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,986
−HK$796/mo
Today · 4.125%
HK$26,782
baseline
▲ 0.50% · 4.625%
HK$28,412
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,564/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,037
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,789
−HK$763/mo
Today · 4.125%
HK$29,552
baseline
▲ 0.50% · 4.625%
HK$31,109
+HK$1,557/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,104/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,402
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,410
−HK$1,024/mo
Today · 4.125%
HK$34,434
baseline
▲ 0.50% · 4.625%
HK$36,529
+HK$2,095/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,868/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,047
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,014
−HK$981/mo
Today · 4.125%
HK$37,995
baseline
▲ 0.50% · 4.625%
HK$39,998
+HK$2,003/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,990/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,833 · Scale 2, in force from 26 Feb 2026)