LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,061
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,623
−HK$571/mo
Today · 4.125%
HK$19,194
baseline
▲ 0.50% · 4.625%
HK$20,362
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,388/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,093
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,632
−HK$546/mo
Today · 4.125%
HK$21,178
baseline
▲ 0.50% · 4.625%
HK$22,295
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,356/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,673
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,348
−HK$685/mo
Today · 4.125%
HK$23,033
baseline
▲ 0.50% · 4.625%
HK$24,434
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,066/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,111
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,758
−HK$656/mo
Today · 4.125%
HK$25,414
baseline
▲ 0.50% · 4.625%
HK$26,754
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,828/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,286
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,072
−HK$799/mo
Today · 4.125%
HK$26,871
baseline
▲ 0.50% · 4.625%
HK$28,506
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,742/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,130
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,884
−HK$766/mo
Today · 4.125%
HK$29,650
baseline
▲ 0.50% · 4.625%
HK$31,213
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,300/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,510
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,521
−HK$1,028/mo
Today · 4.125%
HK$34,549
baseline
▲ 0.50% · 4.625%
HK$36,651
+HK$2,102/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,098/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,167
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,137
−HK$984/mo
Today · 4.125%
HK$38,121
baseline
▲ 0.50% · 4.625%
HK$40,131
+HK$2,010/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,242/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,621 · Scale 2, in force from 26 Feb 2026)