LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,040
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,601
−HK$571/mo
Today · 4.125%
HK$19,172
baseline
▲ 0.50% · 4.625%
HK$20,338
+HK$1,166/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,344/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,070
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,608
−HK$546/mo
Today · 4.125%
HK$21,154
baseline
▲ 0.50% · 4.625%
HK$22,269
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,308/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,648
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,322
−HK$684/mo
Today · 4.125%
HK$23,006
baseline
▲ 0.50% · 4.625%
HK$24,406
+HK$1,400/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,012/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,083
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,729
−HK$656/mo
Today · 4.125%
HK$25,385
baseline
▲ 0.50% · 4.625%
HK$26,723
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,770/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,256
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,042
−HK$798/mo
Today · 4.125%
HK$26,840
baseline
▲ 0.50% · 4.625%
HK$28,473
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,680/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,097
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,851
−HK$764/mo
Today · 4.125%
HK$29,615
baseline
▲ 0.50% · 4.625%
HK$31,176
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,230/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,472
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,482
−HK$1,027/mo
Today · 4.125%
HK$34,509
baseline
▲ 0.50% · 4.625%
HK$36,608
+HK$2,099/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,018/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,125
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,094
−HK$983/mo
Today · 4.125%
HK$38,077
baseline
▲ 0.50% · 4.625%
HK$40,084
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,154/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,345 · Scale 2, in force from 26 Feb 2026)