LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,164
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,729
−HK$574/mo
Today · 4.125%
HK$19,303
baseline
▲ 0.50% · 4.625%
HK$20,478
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,606/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,208
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,750
−HK$549/mo
Today · 4.125%
HK$21,299
baseline
▲ 0.50% · 4.625%
HK$22,422
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,598/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,797
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,475
−HK$689/mo
Today · 4.125%
HK$23,164
baseline
▲ 0.50% · 4.625%
HK$24,573
+HK$1,409/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,328/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,249
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,899
−HK$660/mo
Today · 4.125%
HK$25,559
baseline
▲ 0.50% · 4.625%
HK$26,906
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,118/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,430
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,221
−HK$804/mo
Today · 4.125%
HK$27,025
baseline
▲ 0.50% · 4.625%
HK$28,669
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,050/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,291
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,049
−HK$770/mo
Today · 4.125%
HK$29,819
baseline
▲ 0.50% · 4.625%
HK$31,391
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,638/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,696
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,713
−HK$1,033/mo
Today · 4.125%
HK$34,746
baseline
▲ 0.50% · 4.625%
HK$36,860
+HK$2,114/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,492/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,374
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,349
−HK$990/mo
Today · 4.125%
HK$38,339
baseline
▲ 0.50% · 4.625%
HK$40,360
+HK$2,021/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,678/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,977 · Scale 2, in force from 26 Feb 2026)