LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,010
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,570
−HK$570/mo
Today · 4.125%
HK$19,140
baseline
▲ 0.50% · 4.625%
HK$20,304
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,280/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,036
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,573
−HK$546/mo
Today · 4.125%
HK$21,119
baseline
▲ 0.50% · 4.625%
HK$22,232
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,238/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,612
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,284
−HK$683/mo
Today · 4.125%
HK$22,967
baseline
▲ 0.50% · 4.625%
HK$24,365
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,934/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,043
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,688
−HK$654/mo
Today · 4.125%
HK$25,342
baseline
▲ 0.50% · 4.625%
HK$26,678
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,684/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,214
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,998
−HK$797/mo
Today · 4.125%
HK$26,795
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,590/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,051
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$763/mo
Today · 4.125%
HK$29,566
baseline
▲ 0.50% · 4.625%
HK$31,124
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,132/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,418
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,427
−HK$1,024/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,547
+HK$2,096/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,065
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,032
−HK$981/mo
Today · 4.125%
HK$38,013
baseline
▲ 0.50% · 4.625%
HK$40,017
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,026/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,949 · Scale 2, in force from 26 Feb 2026)