LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,103
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,666
−HK$572/mo
Today · 4.125%
HK$19,238
baseline
▲ 0.50% · 4.625%
HK$20,409
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,476/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,140
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,680
−HK$548/mo
Today · 4.125%
HK$21,228
baseline
▲ 0.50% · 4.625%
HK$22,347
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,456/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,724
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,399
−HK$687/mo
Today · 4.125%
HK$23,086
baseline
▲ 0.50% · 4.625%
HK$24,491
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,172/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,167
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,816
−HK$657/mo
Today · 4.125%
HK$25,473
baseline
▲ 0.50% · 4.625%
HK$26,816
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,946/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,344
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,133
−HK$801/mo
Today · 4.125%
HK$26,934
baseline
▲ 0.50% · 4.625%
HK$28,572
+HK$1,638/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,868/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,195
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,952
−HK$767/mo
Today · 4.125%
HK$29,719
baseline
▲ 0.50% · 4.625%
HK$31,285
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,438/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,586
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,599
−HK$1,030/mo
Today · 4.125%
HK$34,629
baseline
▲ 0.50% · 4.625%
HK$36,736
+HK$2,107/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,258/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,251
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,223
−HK$987/mo
Today · 4.125%
HK$38,210
baseline
▲ 0.50% · 4.625%
HK$40,224
+HK$2,014/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,420/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,172 · Scale 2, in force from 26 Feb 2026)