LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,148
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,713
−HK$573/mo
Today · 4.125%
HK$19,286
baseline
▲ 0.50% · 4.625%
HK$20,460
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,572/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,190
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,731
−HK$549/mo
Today · 4.125%
HK$21,280
baseline
▲ 0.50% · 4.625%
HK$22,402
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,560/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,778
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,455
−HK$688/mo
Today · 4.125%
HK$23,143
baseline
▲ 0.50% · 4.625%
HK$24,552
+HK$1,409/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,286/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,228
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,877
−HK$659/mo
Today · 4.125%
HK$25,536
baseline
▲ 0.50% · 4.625%
HK$26,883
+HK$1,347/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,072/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,407
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,198
−HK$803/mo
Today · 4.125%
HK$27,001
baseline
▲ 0.50% · 4.625%
HK$28,644
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,002/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,265
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,024
−HK$769/mo
Today · 4.125%
HK$29,793
baseline
▲ 0.50% · 4.625%
HK$31,363
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,586/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,667
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,683
−HK$1,032/mo
Today · 4.125%
HK$34,715
baseline
▲ 0.50% · 4.625%
HK$36,827
+HK$2,112/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,430/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,341
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,316
−HK$989/mo
Today · 4.125%
HK$38,305
baseline
▲ 0.50% · 4.625%
HK$40,324
+HK$2,019/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,610/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,765 · Scale 2, in force from 26 Feb 2026)