LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,012
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,573
−HK$569/mo
Today · 4.125%
HK$19,142
baseline
▲ 0.50% · 4.625%
HK$20,307
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,284/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,039
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,576
−HK$545/mo
Today · 4.125%
HK$21,121
baseline
▲ 0.50% · 4.625%
HK$22,235
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,242/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,615
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,287
−HK$683/mo
Today · 4.125%
HK$22,970
baseline
▲ 0.50% · 4.625%
HK$24,368
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,940/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,046
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,691
−HK$655/mo
Today · 4.125%
HK$25,346
baseline
▲ 0.50% · 4.625%
HK$26,682
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,692/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,217
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,002
−HK$797/mo
Today · 4.125%
HK$26,799
baseline
▲ 0.50% · 4.625%
HK$28,429
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,598/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,054
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,806
−HK$764/mo
Today · 4.125%
HK$29,570
baseline
▲ 0.50% · 4.625%
HK$31,128
+HK$1,558/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,140/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,422
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,431
−HK$1,025/mo
Today · 4.125%
HK$34,456
baseline
▲ 0.50% · 4.625%
HK$36,552
+HK$2,096/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,912/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,070
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$37,037
−HK$981/mo
Today · 4.125%
HK$38,018
baseline
▲ 0.50% · 4.625%
HK$40,022
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,036/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,979 · Scale 2, in force from 26 Feb 2026)