LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,013
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,573
−HK$570/mo
Today · 4.125%
HK$19,143
baseline
▲ 0.50% · 4.625%
HK$20,307
+HK$1,164/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,286/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,039
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,577
−HK$545/mo
Today · 4.125%
HK$21,122
baseline
▲ 0.50% · 4.625%
HK$22,235
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,244/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$236,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,616
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$22,288
−HK$683/mo
Today · 4.125%
HK$22,971
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,942/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$236,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,047
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,692
−HK$654/mo
Today · 4.125%
HK$25,346
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,337/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$236,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,218
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,003
−HK$797/mo
Today · 4.125%
HK$26,800
baseline
▲ 0.50% · 4.625%
HK$28,430
+HK$1,630/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,600/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,055
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,808
−HK$763/mo
Today · 4.125%
HK$29,571
baseline
▲ 0.50% · 4.625%
HK$31,130
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,142/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$236,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,424
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$33,432
−HK$1,025/mo
Today · 4.125%
HK$34,457
baseline
▲ 0.50% · 4.625%
HK$36,553
+HK$2,096/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,914/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,071
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,038
−HK$982/mo
Today · 4.125%
HK$38,020
baseline
▲ 0.50% · 4.625%
HK$40,024
+HK$2,004/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,040/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,988 · Scale 2, in force from 26 Feb 2026)