LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,047
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,608
−HK$570/mo
Today · 4.125%
HK$19,178
baseline
▲ 0.50% · 4.625%
HK$20,345
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,356/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,077
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,615
−HK$546/mo
Today · 4.125%
HK$21,161
baseline
▲ 0.50% · 4.625%
HK$22,277
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,322/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,656
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,330
−HK$684/mo
Today · 4.125%
HK$23,014
baseline
▲ 0.50% · 4.625%
HK$24,414
+HK$1,400/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,028/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,092
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,738
−HK$656/mo
Today · 4.125%
HK$25,394
baseline
▲ 0.50% · 4.625%
HK$26,732
+HK$1,338/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,788/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,265
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,051
−HK$799/mo
Today · 4.125%
HK$26,850
baseline
▲ 0.50% · 4.625%
HK$28,484
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,700/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,108
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,861
−HK$765/mo
Today · 4.125%
HK$29,626
baseline
▲ 0.50% · 4.625%
HK$31,188
+HK$1,562/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,252/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,484
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,495
−HK$1,026/mo
Today · 4.125%
HK$34,521
baseline
▲ 0.50% · 4.625%
HK$36,622
+HK$2,101/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,042/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,138
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,107
−HK$984/mo
Today · 4.125%
HK$38,091
baseline
▲ 0.50% · 4.625%
HK$40,098
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,182/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,431 · Scale 2, in force from 26 Feb 2026)