LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,063
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$18,625
−HK$570/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$237,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,095
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,634
−HK$546/mo
Today · 4.125%
HK$21,180
baseline
▲ 0.50% · 4.625%
HK$22,297
+HK$1,117/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$237,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,675
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,350
−HK$685/mo
Today · 4.125%
HK$23,035
baseline
▲ 0.50% · 4.625%
HK$24,436
+HK$1,401/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,070/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,114
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,760
−HK$656/mo
Today · 4.125%
HK$25,416
baseline
▲ 0.50% · 4.625%
HK$26,756
+HK$1,340/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$237,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,288
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,074
−HK$800/mo
Today · 4.125%
HK$26,874
baseline
▲ 0.50% · 4.625%
HK$28,509
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,748/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,132
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,887
−HK$765/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$237,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,513
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$33,524
−HK$1,028/mo
Today · 4.125%
HK$34,552
baseline
▲ 0.50% · 4.625%
HK$36,654
+HK$2,102/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,104/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,170
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,140
−HK$985/mo
Today · 4.125%
HK$38,125
baseline
▲ 0.50% · 4.625%
HK$40,134
+HK$2,009/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,250/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,642 · Scale 2, in force from 26 Feb 2026)