LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,029
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,590
−HK$570/mo
Today · 4.125%
HK$19,160
baseline
▲ 0.50% · 4.625%
HK$20,325
+HK$1,165/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,320/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,057
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,595
−HK$546/mo
Today · 4.125%
HK$21,141
baseline
▲ 0.50% · 4.625%
HK$22,255
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,282/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,635
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,308
−HK$683/mo
Today · 4.125%
HK$22,991
baseline
▲ 0.50% · 4.625%
HK$24,390
+HK$1,399/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,982/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,068
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,714
−HK$655/mo
Today · 4.125%
HK$25,369
baseline
▲ 0.50% · 4.625%
HK$26,706
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,738/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,241
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,026
−HK$797/mo
Today · 4.125%
HK$26,823
baseline
▲ 0.50% · 4.625%
HK$28,456
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,646/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,080
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,833
−HK$764/mo
Today · 4.125%
HK$29,597
baseline
▲ 0.50% · 4.625%
HK$31,157
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,194/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,452
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$33,462
−HK$1,025/mo
Today · 4.125%
HK$34,487
baseline
▲ 0.50% · 4.625%
HK$36,586
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,974/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,103
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,071
−HK$982/mo
Today · 4.125%
HK$38,053
baseline
▲ 0.50% · 4.625%
HK$40,059
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,106/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,197 · Scale 2, in force from 26 Feb 2026)