LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,173
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,738
−HK$575/mo
Today · 4.125%
HK$19,313
baseline
▲ 0.50% · 4.625%
HK$20,488
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,626/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,217
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,760
−HK$550/mo
Today · 4.125%
HK$21,310
baseline
▲ 0.50% · 4.625%
HK$22,433
+HK$1,123/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,620/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,808
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$22,486
−HK$689/mo
Today · 4.125%
HK$23,175
baseline
▲ 0.50% · 4.625%
HK$24,586
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,350/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,261
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,912
−HK$660/mo
Today · 4.125%
HK$25,572
baseline
▲ 0.50% · 4.625%
HK$26,920
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,144/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,442
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,234
−HK$804/mo
Today · 4.125%
HK$27,038
baseline
▲ 0.50% · 4.625%
HK$28,683
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,076/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,304
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,064
−HK$770/mo
Today · 4.125%
HK$29,834
baseline
▲ 0.50% · 4.625%
HK$31,406
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,668/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,712
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,729
−HK$1,034/mo
Today · 4.125%
HK$34,763
baseline
▲ 0.50% · 4.625%
HK$36,878
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,526/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,391
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,367
−HK$991/mo
Today · 4.125%
HK$38,358
baseline
▲ 0.50% · 4.625%
HK$40,379
+HK$2,021/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,716/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,094 · Scale 2, in force from 26 Feb 2026)