LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,110
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,674
−HK$572/mo
Today · 4.125%
HK$19,246
baseline
▲ 0.50% · 4.625%
HK$20,417
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,492/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,148
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,688
−HK$548/mo
Today · 4.125%
HK$21,236
baseline
▲ 0.50% · 4.625%
HK$22,356
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,472/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,732
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,408
−HK$687/mo
Today · 4.125%
HK$23,095
baseline
▲ 0.50% · 4.625%
HK$24,501
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,190/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,177
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,826
−HK$657/mo
Today · 4.125%
HK$25,483
baseline
▲ 0.50% · 4.625%
HK$26,827
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,966/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,355
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,143
−HK$801/mo
Today · 4.125%
HK$26,944
baseline
▲ 0.50% · 4.625%
HK$28,584
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,888/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,207
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,963
−HK$768/mo
Today · 4.125%
HK$29,731
baseline
▲ 0.50% · 4.625%
HK$31,298
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,462/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,599
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,613
−HK$1,030/mo
Today · 4.125%
HK$34,643
baseline
▲ 0.50% · 4.625%
HK$36,751
+HK$2,108/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,286/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,266
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,238
−HK$987/mo
Today · 4.125%
HK$38,225
baseline
▲ 0.50% · 4.625%
HK$40,240
+HK$2,015/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,450/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,268 · Scale 2, in force from 26 Feb 2026)