LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,048
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,610
−HK$570/mo
Today · 4.125%
HK$19,180
baseline
▲ 0.50% · 4.625%
HK$20,347
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,360/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,078
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,617
−HK$546/mo
Today · 4.125%
HK$21,163
baseline
▲ 0.50% · 4.625%
HK$22,279
+HK$1,116/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$237,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,658
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,331
−HK$685/mo
Today · 4.125%
HK$23,016
baseline
▲ 0.50% · 4.625%
HK$24,416
+HK$1,400/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,032/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,094
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,740
−HK$656/mo
Today · 4.125%
HK$25,396
baseline
▲ 0.50% · 4.625%
HK$26,734
+HK$1,338/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,792/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,267
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,053
−HK$799/mo
Today · 4.125%
HK$26,852
baseline
▲ 0.50% · 4.625%
HK$28,486
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,704/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,110
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,864
−HK$764/mo
Today · 4.125%
HK$29,628
baseline
▲ 0.50% · 4.625%
HK$31,190
+HK$1,562/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$237,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,487
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,497
−HK$1,027/mo
Today · 4.125%
HK$34,524
baseline
▲ 0.50% · 4.625%
HK$36,625
+HK$2,101/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,048/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,141
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,110
−HK$984/mo
Today · 4.125%
HK$38,094
baseline
▲ 0.50% · 4.625%
HK$40,102
+HK$2,008/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,188/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,450 · Scale 2, in force from 26 Feb 2026)