LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,112
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,676
−HK$572/mo
Today · 4.125%
HK$19,248
baseline
▲ 0.50% · 4.625%
HK$20,419
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,496/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,150
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,690
−HK$548/mo
Today · 4.125%
HK$21,238
baseline
▲ 0.50% · 4.625%
HK$22,358
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,476/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,735
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$22,411
−HK$687/mo
Today · 4.125%
HK$23,098
baseline
▲ 0.50% · 4.625%
HK$24,503
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,196/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,180
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$24,828
−HK$658/mo
Today · 4.125%
HK$25,486
baseline
▲ 0.50% · 4.625%
HK$26,829
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,972/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,357
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,146
−HK$801/mo
Today · 4.125%
HK$26,947
baseline
▲ 0.50% · 4.625%
HK$28,587
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,894/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,209
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,966
−HK$768/mo
Today · 4.125%
HK$29,734
baseline
▲ 0.50% · 4.625%
HK$31,301
+HK$1,567/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,468/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,602
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,616
−HK$1,030/mo
Today · 4.125%
HK$34,646
baseline
▲ 0.50% · 4.625%
HK$36,755
+HK$2,109/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,292/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,269
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,242
−HK$987/mo
Today · 4.125%
HK$38,229
baseline
▲ 0.50% · 4.625%
HK$40,244
+HK$2,015/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,458/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,292 · Scale 2, in force from 26 Feb 2026)