LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,167
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,733
−HK$574/mo
Today · 4.125%
HK$19,307
baseline
▲ 0.50% · 4.625%
HK$20,481
+HK$1,174/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,614/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,211
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,753
−HK$550/mo
Today · 4.125%
HK$21,303
baseline
▲ 0.50% · 4.625%
HK$22,426
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,606/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,801
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,479
−HK$689/mo
Today · 4.125%
HK$23,168
baseline
▲ 0.50% · 4.625%
HK$24,578
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,336/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,253
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,904
−HK$660/mo
Today · 4.125%
HK$25,564
baseline
▲ 0.50% · 4.625%
HK$26,911
+HK$1,347/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,128/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,434
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,226
−HK$803/mo
Today · 4.125%
HK$27,029
baseline
▲ 0.50% · 4.625%
HK$28,674
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,058/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,296
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,054
−HK$770/mo
Today · 4.125%
HK$29,824
baseline
▲ 0.50% · 4.625%
HK$31,396
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,648/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,701
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,719
−HK$1,033/mo
Today · 4.125%
HK$34,752
baseline
▲ 0.50% · 4.625%
HK$36,867
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,504/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,380
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,356
−HK$989/mo
Today · 4.125%
HK$38,345
baseline
▲ 0.50% · 4.625%
HK$40,367
+HK$2,022/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,690/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,019 · Scale 2, in force from 26 Feb 2026)