LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,106
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,669
−HK$572/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,412
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,482/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,143
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,683
−HK$548/mo
Today · 4.125%
HK$21,231
baseline
▲ 0.50% · 4.625%
HK$22,350
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,462/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,727
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,403
−HK$687/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,495
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,171
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$657/mo
Today · 4.125%
HK$25,477
baseline
▲ 0.50% · 4.625%
HK$26,820
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,954/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,348
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,137
−HK$801/mo
Today · 4.125%
HK$26,938
baseline
▲ 0.50% · 4.625%
HK$28,577
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,876/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,200
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$28,956
−HK$767/mo
Today · 4.125%
HK$29,723
baseline
▲ 0.50% · 4.625%
HK$31,290
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,446/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,591
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,605
−HK$1,030/mo
Today · 4.125%
HK$34,635
baseline
▲ 0.50% · 4.625%
HK$36,742
+HK$2,107/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,270/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,257
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,229
−HK$987/mo
Today · 4.125%
HK$38,216
baseline
▲ 0.50% · 4.625%
HK$40,230
+HK$2,014/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,432/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,211 · Scale 2, in force from 26 Feb 2026)