LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,063
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,625
−HK$571/mo
Today · 4.125%
HK$19,196
baseline
▲ 0.50% · 4.625%
HK$20,364
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,392/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,095
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,634
−HK$547/mo
Today · 4.125%
HK$21,181
baseline
▲ 0.50% · 4.625%
HK$22,297
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,362/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,676
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$22,350
−HK$685/mo
Today · 4.125%
HK$23,035
baseline
▲ 0.50% · 4.625%
HK$24,437
+HK$1,402/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$237,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,114
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,761
−HK$656/mo
Today · 4.125%
HK$25,417
baseline
▲ 0.50% · 4.625%
HK$26,757
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,834/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,288
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,075
−HK$799/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$5.55M · min. income ≈ HK$53,748/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,133
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,887
−HK$766/mo
Today · 4.125%
HK$29,653
baseline
▲ 0.50% · 4.625%
HK$31,216
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,306/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,514
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,525
−HK$1,027/mo
Today · 4.125%
HK$34,552
baseline
▲ 0.50% · 4.625%
HK$36,655
+HK$2,103/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$237,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,171
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$37,141
−HK$984/mo
Today · 4.125%
HK$38,125
baseline
▲ 0.50% · 4.625%
HK$40,135
+HK$2,010/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$237,646 · Scale 2, in force from 26 Feb 2026)