LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,094
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,657
−HK$571/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$238,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,129
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,669
−HK$548/mo
Today · 4.125%
HK$21,217
baseline
▲ 0.50% · 4.625%
HK$22,335
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,434/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,713
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,388
−HK$686/mo
Today · 4.125%
HK$23,074
baseline
▲ 0.50% · 4.625%
HK$24,478
+HK$1,404/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,148/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,155
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,803
−HK$657/mo
Today · 4.125%
HK$25,460
baseline
▲ 0.50% · 4.625%
HK$26,802
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,920/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,331
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,119
−HK$801/mo
Today · 4.125%
HK$26,920
baseline
▲ 0.50% · 4.625%
HK$28,558
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,840/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,181
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,937
−HK$766/mo
Today · 4.125%
HK$29,703
baseline
▲ 0.50% · 4.625%
HK$31,269
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,406/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,569
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,582
−HK$1,029/mo
Today · 4.125%
HK$34,611
baseline
▲ 0.50% · 4.625%
HK$36,717
+HK$2,106/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,222/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,233
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,204
−HK$986/mo
Today · 4.125%
HK$38,190
baseline
▲ 0.50% · 4.625%
HK$40,203
+HK$2,013/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,380/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,050 · Scale 2, in force from 26 Feb 2026)