LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,003
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,563
−HK$569/mo
Today · 4.125%
HK$19,132
baseline
▲ 0.50% · 4.625%
HK$20,296
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,264/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,028
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,565
−HK$545/mo
Today · 4.125%
HK$21,110
baseline
▲ 0.50% · 4.625%
HK$22,223
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,220/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,604
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,276
−HK$682/mo
Today · 4.125%
HK$22,958
baseline
▲ 0.50% · 4.625%
HK$24,355
+HK$1,397/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,916/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,034
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$24,678
−HK$654/mo
Today · 4.125%
HK$25,332
baseline
▲ 0.50% · 4.625%
HK$26,668
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,664/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,204
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,988
−HK$797/mo
Today · 4.125%
HK$26,785
baseline
▲ 0.50% · 4.625%
HK$28,415
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,570/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,039
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,791
−HK$763/mo
Today · 4.125%
HK$29,554
baseline
▲ 0.50% · 4.625%
HK$31,112
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,108/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,405
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,413
−HK$1,025/mo
Today · 4.125%
HK$34,438
baseline
▲ 0.50% · 4.625%
HK$36,533
+HK$2,095/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,876/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,051
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,018
−HK$980/mo
Today · 4.125%
HK$37,998
baseline
▲ 0.50% · 4.625%
HK$40,001
+HK$2,003/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$75,996/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,856 · Scale 2, in force from 26 Feb 2026)