LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,152
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,717
−HK$573/mo
Today · 4.125%
HK$19,290
baseline
▲ 0.50% · 4.625%
HK$20,464
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,580/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,194
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,735
−HK$550/mo
Today · 4.125%
HK$21,285
baseline
▲ 0.50% · 4.625%
HK$22,407
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,570/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,782
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,460
−HK$688/mo
Today · 4.125%
HK$23,148
baseline
▲ 0.50% · 4.625%
HK$24,557
+HK$1,409/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$46,296/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,233
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,882
−HK$660/mo
Today · 4.125%
HK$25,542
baseline
▲ 0.50% · 4.625%
HK$26,888
+HK$1,346/mo
Deposit HK$3.18M · loan HK$4.78M · min. income ≈ HK$51,084/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,413
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,203
−HK$803/mo
Today · 4.125%
HK$27,006
baseline
▲ 0.50% · 4.625%
HK$28,650
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,012/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,271
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,030
−HK$769/mo
Today · 4.125%
HK$29,799
baseline
▲ 0.50% · 4.625%
HK$31,369
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,598/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,673
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$33,690
−HK$1,032/mo
Today · 4.125%
HK$34,722
baseline
▲ 0.50% · 4.625%
HK$36,835
+HK$2,113/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,444/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,349
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,324
−HK$989/mo
Today · 4.125%
HK$38,313
baseline
▲ 0.50% · 4.625%
HK$40,332
+HK$2,019/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,626/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,814 · Scale 2, in force from 26 Feb 2026)