LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,020
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,581
−HK$569/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$237,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,047
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,585
−HK$545/mo
Today · 4.125%
HK$21,130
baseline
▲ 0.50% · 4.625%
HK$22,244
+HK$1,114/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$237,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,624
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,297
−HK$683/mo
Today · 4.125%
HK$22,980
baseline
▲ 0.50% · 4.625%
HK$24,379
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,960/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,057
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$24,702
−HK$654/mo
Today · 4.125%
HK$25,356
baseline
▲ 0.50% · 4.625%
HK$26,693
+HK$1,337/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$237,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,228
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,013
−HK$797/mo
Today · 4.125%
HK$26,810
baseline
▲ 0.50% · 4.625%
HK$28,442
+HK$1,632/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,620/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,066
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,819
−HK$764/mo
Today · 4.125%
HK$29,583
baseline
▲ 0.50% · 4.625%
HK$31,142
+HK$1,559/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,166/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,436
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,445
−HK$1,025/mo
Today · 4.125%
HK$34,470
baseline
▲ 0.50% · 4.625%
HK$36,568
+HK$2,098/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,940/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,085
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,053
−HK$982/mo
Today · 4.125%
HK$38,035
baseline
▲ 0.50% · 4.625%
HK$40,040
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,070/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,082 · Scale 2, in force from 26 Feb 2026)