LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,086
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,649
−HK$571/mo
Today · 4.125%
HK$19,220
baseline
▲ 0.50% · 4.625%
HK$20,390
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,440/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,120
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,660
−HK$548/mo
Today · 4.125%
HK$21,208
baseline
▲ 0.50% · 4.625%
HK$22,325
+HK$1,117/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,416/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,703
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,378
−HK$686/mo
Today · 4.125%
HK$23,064
baseline
▲ 0.50% · 4.625%
HK$24,468
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,128/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,145
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$657/mo
Today · 4.125%
HK$25,449
baseline
▲ 0.50% · 4.625%
HK$26,790
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,898/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,320
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,108
−HK$800/mo
Today · 4.125%
HK$26,908
baseline
▲ 0.50% · 4.625%
HK$28,545
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,816/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,169
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,924
−HK$767/mo
Today · 4.125%
HK$29,691
baseline
▲ 0.50% · 4.625%
HK$31,256
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,382/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,555
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,567
−HK$1,029/mo
Today · 4.125%
HK$34,596
baseline
▲ 0.50% · 4.625%
HK$36,701
+HK$2,105/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,192/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,217
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,188
−HK$986/mo
Today · 4.125%
HK$38,174
baseline
▲ 0.50% · 4.625%
HK$40,186
+HK$2,012/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,348/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,947 · Scale 2, in force from 26 Feb 2026)