LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,034
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,595
−HK$569/mo
Today · 4.125%
HK$19,164
baseline
▲ 0.50% · 4.625%
HK$20,331
+HK$1,167/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,328/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,062
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,600
−HK$546/mo
Today · 4.125%
HK$21,146
baseline
▲ 0.50% · 4.625%
HK$22,261
+HK$1,115/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,292/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,640
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,313
−HK$684/mo
Today · 4.125%
HK$22,997
baseline
▲ 0.50% · 4.625%
HK$24,397
+HK$1,400/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$45,994/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,075
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,720
−HK$655/mo
Today · 4.125%
HK$25,375
baseline
▲ 0.50% · 4.625%
HK$26,713
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,750/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,247
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,032
−HK$798/mo
Today · 4.125%
HK$26,830
baseline
▲ 0.50% · 4.625%
HK$28,463
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,660/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,087
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,840
−HK$765/mo
Today · 4.125%
HK$29,605
baseline
▲ 0.50% · 4.625%
HK$31,165
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,210/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,460
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,470
−HK$1,026/mo
Today · 4.125%
HK$34,496
baseline
▲ 0.50% · 4.625%
HK$36,595
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$68,992/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,112
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$37,080
−HK$983/mo
Today · 4.125%
HK$38,063
baseline
▲ 0.50% · 4.625%
HK$40,069
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,126/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,258 · Scale 2, in force from 26 Feb 2026)