LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,075
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,638
−HK$571/mo
Today · 4.125%
HK$19,209
baseline
▲ 0.50% · 4.625%
HK$20,378
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,418/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,109
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,648
−HK$547/mo
Today · 4.125%
HK$21,195
baseline
▲ 0.50% · 4.625%
HK$22,312
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,390/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,690
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,365
−HK$686/mo
Today · 4.125%
HK$23,051
baseline
▲ 0.50% · 4.625%
HK$24,453
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,102/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,130
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,778
−HK$656/mo
Today · 4.125%
HK$25,434
baseline
▲ 0.50% · 4.625%
HK$26,775
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,868/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,306
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,093
−HK$799/mo
Today · 4.125%
HK$26,892
baseline
▲ 0.50% · 4.625%
HK$28,529
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,784/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,152
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,907
−HK$766/mo
Today · 4.125%
HK$29,673
baseline
▲ 0.50% · 4.625%
HK$31,237
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,346/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,536
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,548
−HK$1,028/mo
Today · 4.125%
HK$34,576
baseline
▲ 0.50% · 4.625%
HK$36,680
+HK$2,104/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$69,152/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,196
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,166
−HK$985/mo
Today · 4.125%
HK$38,151
baseline
▲ 0.50% · 4.625%
HK$40,162
+HK$2,011/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$76,302/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,808 · Scale 2, in force from 26 Feb 2026)