LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,165
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$18,730
−HK$574/mo
Today · 4.125%
HK$19,304
baseline
▲ 0.50% · 4.625%
HK$20,479
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,608/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,208
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,750
−HK$550/mo
Today · 4.125%
HK$21,300
baseline
▲ 0.50% · 4.625%
HK$22,423
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,600/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,798
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,476
−HK$689/mo
Today · 4.125%
HK$23,165
baseline
▲ 0.50% · 4.625%
HK$24,574
+HK$1,409/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,330/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,250
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,900
−HK$660/mo
Today · 4.125%
HK$25,560
baseline
▲ 0.50% · 4.625%
HK$26,907
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,120/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$238,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,431
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,222
−HK$804/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,670
+HK$1,644/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,291
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,050
−HK$770/mo
Today · 4.125%
HK$29,820
baseline
▲ 0.50% · 4.625%
HK$31,392
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,640/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,697
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,714
−HK$1,033/mo
Today · 4.125%
HK$34,747
baseline
▲ 0.50% · 4.625%
HK$36,861
+HK$2,114/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,494/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,375
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,350
−HK$990/mo
Today · 4.125%
HK$38,340
baseline
▲ 0.50% · 4.625%
HK$40,361
+HK$2,021/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,680/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$238,985 · Scale 2, in force from 26 Feb 2026)