LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,077
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,640
−HK$571/mo
Today · 4.125%
HK$19,211
baseline
▲ 0.50% · 4.625%
HK$20,380
+HK$1,169/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,422/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,111
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,650
−HK$547/mo
Today · 4.125%
HK$21,197
baseline
▲ 0.50% · 4.625%
HK$22,315
+HK$1,118/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,394/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,693
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,367
−HK$686/mo
Today · 4.125%
HK$23,053
baseline
▲ 0.50% · 4.625%
HK$24,456
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,106/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,133
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,780
−HK$657/mo
Today · 4.125%
HK$25,437
baseline
▲ 0.50% · 4.625%
HK$26,778
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,874/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,308
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$26,095
−HK$800/mo
Today · 4.125%
HK$26,895
baseline
▲ 0.50% · 4.625%
HK$28,532
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,790/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,155
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,910
−HK$766/mo
Today · 4.125%
HK$29,676
baseline
▲ 0.50% · 4.625%
HK$31,240
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,352/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,539
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,551
−HK$1,029/mo
Today · 4.125%
HK$34,580
baseline
▲ 0.50% · 4.625%
HK$36,684
+HK$2,104/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$69,160/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,199
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,170
−HK$985/mo
Today · 4.125%
HK$38,155
baseline
▲ 0.50% · 4.625%
HK$40,166
+HK$2,011/mo
Deposit HK$793K · loan HK$7.13M · min. income ≈ HK$76,310/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,832 · Scale 2, in force from 26 Feb 2026)