LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,113
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,676
−HK$572/mo
Today · 4.125%
HK$19,248
baseline
▲ 0.50% · 4.625%
HK$20,420
+HK$1,172/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$238,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,150
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$20,691
−HK$548/mo
Today · 4.125%
HK$21,239
baseline
▲ 0.50% · 4.625%
HK$22,358
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,478/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,298 · 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$24,504
+HK$1,406/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$238,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,180
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,829
−HK$658/mo
Today · 4.125%
HK$25,487
baseline
▲ 0.50% · 4.625%
HK$26,830
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,974/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,358
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,147
−HK$801/mo
Today · 4.125%
HK$26,948
baseline
▲ 0.50% · 4.625%
HK$28,588
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,896/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,210
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,967
−HK$767/mo
Today · 4.125%
HK$29,734
baseline
▲ 0.50% · 4.625%
HK$31,302
+HK$1,568/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$238,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,603
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,617
−HK$1,030/mo
Today · 4.125%
HK$34,647
baseline
▲ 0.50% · 4.625%
HK$36,755
+HK$2,108/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,294/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,270
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$37,243
−HK$987/mo
Today · 4.125%
HK$38,230
baseline
▲ 0.50% · 4.625%
HK$40,245
+HK$2,015/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,460/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,298 · Scale 2, in force from 26 Feb 2026)