LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,041
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,602
−HK$571/mo
Today · 4.125%
HK$19,173
baseline
▲ 0.50% · 4.625%
HK$20,339
+HK$1,166/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,346/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,071
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,609
−HK$546/mo
Today · 4.125%
HK$21,155
baseline
▲ 0.50% · 4.625%
HK$22,270
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,310/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,649
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,323
−HK$684/mo
Today · 4.125%
HK$23,007
baseline
▲ 0.50% · 4.625%
HK$24,407
+HK$1,400/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,014/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,085
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$24,731
−HK$655/mo
Today · 4.125%
HK$25,386
baseline
▲ 0.50% · 4.625%
HK$26,724
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,772/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,258
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,043
−HK$799/mo
Today · 4.125%
HK$26,842
baseline
▲ 0.50% · 4.625%
HK$28,475
+HK$1,633/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,684/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,099
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,853
−HK$764/mo
Today · 4.125%
HK$29,617
baseline
▲ 0.50% · 4.625%
HK$31,178
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,234/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,474
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,484
−HK$1,027/mo
Today · 4.125%
HK$34,511
baseline
▲ 0.50% · 4.625%
HK$36,611
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,022/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,127
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,096
−HK$983/mo
Today · 4.125%
HK$38,079
baseline
▲ 0.50% · 4.625%
HK$40,086
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,158/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,358 · Scale 2, in force from 26 Feb 2026)