LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,090
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,653
−HK$572/mo
Today · 4.125%
HK$19,225
baseline
▲ 0.50% · 4.625%
HK$20,395
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,450/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$238,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,125
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,665
−HK$548/mo
Today · 4.125%
HK$21,213
baseline
▲ 0.50% · 4.625%
HK$22,331
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,426/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$238,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,708
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,384
−HK$686/mo
Today · 4.125%
HK$23,070
baseline
▲ 0.50% · 4.625%
HK$24,473
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,140/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,150
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,798
−HK$657/mo
Today · 4.125%
HK$25,455
baseline
▲ 0.50% · 4.625%
HK$26,797
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,910/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,326
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,114
−HK$801/mo
Today · 4.125%
HK$26,915
baseline
▲ 0.50% · 4.625%
HK$28,552
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,830/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,175
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,931
−HK$767/mo
Today · 4.125%
HK$29,698
baseline
▲ 0.50% · 4.625%
HK$31,263
+HK$1,565/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,396/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,563
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,575
−HK$1,030/mo
Today · 4.125%
HK$34,605
baseline
▲ 0.50% · 4.625%
HK$36,710
+HK$2,105/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,210/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,226
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,197
−HK$986/mo
Today · 4.125%
HK$38,183
baseline
▲ 0.50% · 4.625%
HK$40,195
+HK$2,012/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,366/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,004 · Scale 2, in force from 26 Feb 2026)