LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,095
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,658
−HK$572/mo
Today · 4.125%
HK$19,230
baseline
▲ 0.50% · 4.625%
HK$20,400
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,460/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,130
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,670
−HK$548/mo
Today · 4.125%
HK$21,218
baseline
▲ 0.50% · 4.625%
HK$22,336
+HK$1,118/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,436/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,714
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,389
−HK$686/mo
Today · 4.125%
HK$23,075
baseline
▲ 0.50% · 4.625%
HK$24,480
+HK$1,405/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,150/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,156
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,804
−HK$658/mo
Today · 4.125%
HK$25,462
baseline
▲ 0.50% · 4.625%
HK$26,804
+HK$1,342/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,924/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,333
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,121
−HK$800/mo
Today · 4.125%
HK$26,921
baseline
▲ 0.50% · 4.625%
HK$28,560
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,842/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,182
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,938
−HK$767/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,271
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,571
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,584
−HK$1,029/mo
Today · 4.125%
HK$34,613
baseline
▲ 0.50% · 4.625%
HK$36,719
+HK$2,106/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,226/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,235
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,206
−HK$986/mo
Today · 4.125%
HK$38,192
baseline
▲ 0.50% · 4.625%
HK$40,205
+HK$2,013/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,384/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,064 · Scale 2, in force from 26 Feb 2026)