LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,160
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,725
−HK$574/mo
Today · 4.125%
HK$19,299
baseline
▲ 0.50% · 4.625%
HK$20,473
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,598/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,203
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,745
−HK$549/mo
Today · 4.125%
HK$21,294
baseline
▲ 0.50% · 4.625%
HK$22,417
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,588/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,792
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,470
−HK$689/mo
Today · 4.125%
HK$23,159
baseline
▲ 0.50% · 4.625%
HK$24,568
+HK$1,409/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,318/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,243
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,894
−HK$659/mo
Today · 4.125%
HK$25,553
baseline
▲ 0.50% · 4.625%
HK$26,900
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,106/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,424
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,215
−HK$803/mo
Today · 4.125%
HK$27,018
baseline
▲ 0.50% · 4.625%
HK$28,662
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$54,036/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,284
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,043
−HK$769/mo
Today · 4.125%
HK$29,812
baseline
▲ 0.50% · 4.625%
HK$31,384
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,624/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,688
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,705
−HK$1,033/mo
Today · 4.125%
HK$34,738
baseline
▲ 0.50% · 4.625%
HK$36,852
+HK$2,114/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,476/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,365
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,340
−HK$990/mo
Today · 4.125%
HK$38,330
baseline
▲ 0.50% · 4.625%
HK$40,350
+HK$2,020/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,660/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,922 · Scale 2, in force from 26 Feb 2026)