LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,102
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,665
−HK$572/mo
Today · 4.125%
HK$19,237
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,170/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,474/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,138
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,678
−HK$548/mo
Today · 4.125%
HK$21,226
baseline
▲ 0.50% · 4.625%
HK$22,345
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,452/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,722
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,398
−HK$686/mo
Today · 4.125%
HK$23,084
baseline
▲ 0.50% · 4.625%
HK$24,489
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,168/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,166
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,814
−HK$657/mo
Today · 4.125%
HK$25,471
baseline
▲ 0.50% · 4.625%
HK$26,814
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,942/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,342
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,131
−HK$801/mo
Today · 4.125%
HK$26,932
baseline
▲ 0.50% · 4.625%
HK$28,570
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,864/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,193
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,949
−HK$767/mo
Today · 4.125%
HK$29,716
baseline
▲ 0.50% · 4.625%
HK$31,283
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,432/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,583
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,597
−HK$1,029/mo
Today · 4.125%
HK$34,626
baseline
▲ 0.50% · 4.625%
HK$36,733
+HK$2,107/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$69,252/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,248
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,221
−HK$986/mo
Today · 4.125%
HK$38,207
baseline
▲ 0.50% · 4.625%
HK$40,221
+HK$2,014/mo
Deposit HK$794K · loan HK$7.14M · min. income ≈ HK$76,414/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,154 · Scale 2, in force from 26 Feb 2026)