LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,048
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,609
−HK$570/mo
Today · 4.125%
HK$19,179
baseline
▲ 0.50% · 4.625%
HK$20,346
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,358/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,078
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$547/mo
Today · 4.125%
HK$21,163
baseline
▲ 0.50% · 4.625%
HK$22,278
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,326/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,657
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,331
−HK$684/mo
Today · 4.125%
HK$23,015
baseline
▲ 0.50% · 4.625%
HK$24,416
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,030/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,093
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,740
−HK$655/mo
Today · 4.125%
HK$25,395
baseline
▲ 0.50% · 4.625%
HK$26,734
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,790/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,267
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,053
−HK$798/mo
Today · 4.125%
HK$26,851
baseline
▲ 0.50% · 4.625%
HK$28,485
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,702/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,109
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,863
−HK$765/mo
Today · 4.125%
HK$29,628
baseline
▲ 0.50% · 4.625%
HK$31,189
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,256/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,486
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,496
−HK$1,027/mo
Today · 4.125%
HK$34,523
baseline
▲ 0.50% · 4.625%
HK$36,624
+HK$2,101/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,046/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,140
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,109
−HK$984/mo
Today · 4.125%
HK$38,093
baseline
▲ 0.50% · 4.625%
HK$40,101
+HK$2,008/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,186/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,443 · Scale 2, in force from 26 Feb 2026)