LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,020
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,580
−HK$570/mo
Today · 4.125%
HK$19,150
baseline
▲ 0.50% · 4.625%
HK$20,315
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,300/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,047
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,584
−HK$546/mo
Today · 4.125%
HK$21,130
baseline
▲ 0.50% · 4.625%
HK$22,243
+HK$1,113/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,260/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,623
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$683/mo
Today · 4.125%
HK$22,979
baseline
▲ 0.50% · 4.625%
HK$24,378
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,958/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,701
−HK$655/mo
Today · 4.125%
HK$25,356
baseline
▲ 0.50% · 4.625%
HK$26,692
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,712/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,227
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,012
−HK$797/mo
Today · 4.125%
HK$26,809
baseline
▲ 0.50% · 4.625%
HK$28,441
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,618/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,065
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,818
−HK$764/mo
Today · 4.125%
HK$29,582
baseline
▲ 0.50% · 4.625%
HK$31,141
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,164/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,435
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,444
−HK$1,025/mo
Today · 4.125%
HK$34,469
baseline
▲ 0.50% · 4.625%
HK$36,567
+HK$2,098/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,938/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,084
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$37,052
−HK$981/mo
Today · 4.125%
HK$38,033
baseline
▲ 0.50% · 4.625%
HK$40,038
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,066/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,073 · Scale 2, in force from 26 Feb 2026)