LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,087
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,649
−HK$572/mo
Today · 4.125%
HK$19,221
baseline
▲ 0.50% · 4.625%
HK$20,391
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,442/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,121
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,661
−HK$548/mo
Today · 4.125%
HK$21,209
baseline
▲ 0.50% · 4.625%
HK$22,327
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,418/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,704
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,379
−HK$686/mo
Today · 4.125%
HK$23,065
baseline
▲ 0.50% · 4.625%
HK$24,469
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,130/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,146
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$24,793
−HK$657/mo
Today · 4.125%
HK$25,450
baseline
▲ 0.50% · 4.625%
HK$26,792
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,900/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,322
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,109
−HK$801/mo
Today · 4.125%
HK$26,910
baseline
▲ 0.50% · 4.625%
HK$28,547
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,820/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,170
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,926
−HK$766/mo
Today · 4.125%
HK$29,692
baseline
▲ 0.50% · 4.625%
HK$31,257
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,384/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,556
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,569
−HK$1,029/mo
Today · 4.125%
HK$34,598
baseline
▲ 0.50% · 4.625%
HK$36,703
+HK$2,105/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,196/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,219
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,190
−HK$985/mo
Today · 4.125%
HK$38,175
baseline
▲ 0.50% · 4.625%
HK$40,188
+HK$2,013/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,350/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,959 · Scale 2, in force from 26 Feb 2026)