LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,062
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,624
−HK$571/mo
Today · 4.125%
HK$19,195
baseline
▲ 0.50% · 4.625%
HK$20,363
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,390/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,094
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,633
−HK$547/mo
Today · 4.125%
HK$21,180
baseline
▲ 0.50% · 4.625%
HK$22,296
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,360/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,675
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,349
−HK$685/mo
Today · 4.125%
HK$23,034
baseline
▲ 0.50% · 4.625%
HK$24,436
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,068/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,113
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,760
−HK$656/mo
Today · 4.125%
HK$25,416
baseline
▲ 0.50% · 4.625%
HK$26,755
+HK$1,339/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,832/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,287
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,074
−HK$799/mo
Today · 4.125%
HK$26,873
baseline
▲ 0.50% · 4.625%
HK$28,508
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,746/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,132
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,886
−HK$766/mo
Today · 4.125%
HK$29,652
baseline
▲ 0.50% · 4.625%
HK$31,215
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,304/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,512
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,523
−HK$1,028/mo
Today · 4.125%
HK$34,551
baseline
▲ 0.50% · 4.625%
HK$36,653
+HK$2,102/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,102/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,169
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,139
−HK$985/mo
Today · 4.125%
HK$38,124
baseline
▲ 0.50% · 4.625%
HK$40,133
+HK$2,009/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,248/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,636 · Scale 2, in force from 26 Feb 2026)