LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,120
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,684
−HK$572/mo
Today · 4.125%
HK$19,256
baseline
▲ 0.50% · 4.625%
HK$20,428
+HK$1,172/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,512/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,158
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,699
−HK$549/mo
Today · 4.125%
HK$21,248
baseline
▲ 0.50% · 4.625%
HK$22,368
+HK$1,120/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,496/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,744
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,420
−HK$688/mo
Today · 4.125%
HK$23,108
baseline
▲ 0.50% · 4.625%
HK$24,514
+HK$1,406/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,216/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,190
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$24,839
−HK$658/mo
Today · 4.125%
HK$25,497
baseline
▲ 0.50% · 4.625%
HK$26,841
+HK$1,344/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$50,994/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,368
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,157
−HK$802/mo
Today · 4.125%
HK$26,959
baseline
▲ 0.50% · 4.625%
HK$28,599
+HK$1,640/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,918/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,222
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,979
−HK$768/mo
Today · 4.125%
HK$29,747
baseline
▲ 0.50% · 4.625%
HK$31,315
+HK$1,568/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,494/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,616
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,631
−HK$1,031/mo
Today · 4.125%
HK$34,662
baseline
▲ 0.50% · 4.625%
HK$36,771
+HK$2,109/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$69,324/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,285
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$37,258
−HK$988/mo
Today · 4.125%
HK$38,246
baseline
▲ 0.50% · 4.625%
HK$40,262
+HK$2,016/mo
Deposit HK$795K · loan HK$7.15M · min. income ≈ HK$76,492/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,396 · Scale 2, in force from 26 Feb 2026)