LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,093
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,656
−HK$572/mo
Today · 4.125%
HK$19,228
baseline
▲ 0.50% · 4.625%
HK$20,398
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,456/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,128
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,668
−HK$548/mo
Today · 4.125%
HK$21,216
baseline
▲ 0.50% · 4.625%
HK$22,334
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,432/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,712
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,387
−HK$686/mo
Today · 4.125%
HK$23,073
baseline
▲ 0.50% · 4.625%
HK$24,477
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,146/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,154
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,802
−HK$657/mo
Today · 4.125%
HK$25,459
baseline
▲ 0.50% · 4.625%
HK$26,801
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,918/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,330
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,118
−HK$801/mo
Today · 4.125%
HK$26,919
baseline
▲ 0.50% · 4.625%
HK$28,557
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,838/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,180
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,935
−HK$767/mo
Today · 4.125%
HK$29,702
baseline
▲ 0.50% · 4.625%
HK$31,268
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,404/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,567
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,580
−HK$1,030/mo
Today · 4.125%
HK$34,610
baseline
▲ 0.50% · 4.625%
HK$36,716
+HK$2,106/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,220/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,231
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,203
−HK$985/mo
Today · 4.125%
HK$38,188
baseline
▲ 0.50% · 4.625%
HK$40,201
+HK$2,013/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,376/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,040 · Scale 2, in force from 26 Feb 2026)