LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,161
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,726
−HK$574/mo
Today · 4.125%
HK$19,300
baseline
▲ 0.50% · 4.625%
HK$20,474
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,600/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,204
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,746
−HK$549/mo
Today · 4.125%
HK$21,295
baseline
▲ 0.50% · 4.625%
HK$22,418
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,590/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,793
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,471
−HK$689/mo
Today · 4.125%
HK$23,160
baseline
▲ 0.50% · 4.625%
HK$24,569
+HK$1,409/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,320/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,244
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,895
−HK$659/mo
Today · 4.125%
HK$25,554
baseline
▲ 0.50% · 4.625%
HK$26,901
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,108/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,425
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,216
−HK$804/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,664
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,285
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,044
−HK$769/mo
Today · 4.125%
HK$29,813
baseline
▲ 0.50% · 4.625%
HK$31,385
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,626/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,689
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,706
−HK$1,033/mo
Today · 4.125%
HK$34,739
baseline
▲ 0.50% · 4.625%
HK$36,853
+HK$2,114/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,478/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,367
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$989/mo
Today · 4.125%
HK$38,331
baseline
▲ 0.50% · 4.625%
HK$40,352
+HK$2,021/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,662/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,932 · Scale 2, in force from 26 Feb 2026)