LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,037
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,598
−HK$570/mo
Today · 4.125%
HK$19,168
baseline
▲ 0.50% · 4.625%
HK$20,334
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,336/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,066
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,604
−HK$546/mo
Today · 4.125%
HK$21,150
baseline
▲ 0.50% · 4.625%
HK$22,265
+HK$1,115/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,300/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,644
−HK$1,357/mo
▼ 0.25% · 3.875%
HK$22,317
−HK$684/mo
Today · 4.125%
HK$23,001
baseline
▲ 0.50% · 4.625%
HK$24,401
+HK$1,400/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,002/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,079
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,725
−HK$655/mo
Today · 4.125%
HK$25,380
baseline
▲ 0.50% · 4.625%
HK$26,717
+HK$1,337/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,760/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,251
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,037
−HK$798/mo
Today · 4.125%
HK$26,835
baseline
▲ 0.50% · 4.625%
HK$28,468
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,670/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,092
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,845
−HK$765/mo
Today · 4.125%
HK$29,610
baseline
▲ 0.50% · 4.625%
HK$31,170
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,220/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,466
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,476
−HK$1,026/mo
Today · 4.125%
HK$34,502
baseline
▲ 0.50% · 4.625%
HK$36,601
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,004/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,118
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,087
−HK$983/mo
Today · 4.125%
HK$38,070
baseline
▲ 0.50% · 4.625%
HK$40,076
+HK$2,006/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,140/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,299 · Scale 2, in force from 26 Feb 2026)