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$20,475
+HK$1,175/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$238,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,204
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,746
−HK$550/mo
Today · 4.125%
HK$21,296
baseline
▲ 0.50% · 4.625%
HK$22,419
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,592/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,794
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,472
−HK$688/mo
Today · 4.125%
HK$23,160
baseline
▲ 0.50% · 4.625%
HK$24,570
+HK$1,410/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$238,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,245
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,896
−HK$659/mo
Today · 4.125%
HK$25,555
baseline
▲ 0.50% · 4.625%
HK$26,902
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,110/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,426
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,217
−HK$803/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,665
+HK$1,645/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$238,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,286
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,045
−HK$769/mo
Today · 4.125%
HK$29,814
baseline
▲ 0.50% · 4.625%
HK$31,386
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,628/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,691
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,707
−HK$1,034/mo
Today · 4.125%
HK$34,741
baseline
▲ 0.50% · 4.625%
HK$36,854
+HK$2,113/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$69,482/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,368
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,343
−HK$990/mo
Today · 4.125%
HK$38,333
baseline
▲ 0.50% · 4.625%
HK$40,353
+HK$2,020/mo
Deposit HK$796K · loan HK$7.17M · min. income ≈ HK$76,666/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,939 · Scale 2, in force from 26 Feb 2026)