LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,176
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,741
−HK$575/mo
Today · 4.125%
HK$19,316
baseline
▲ 0.50% · 4.625%
HK$20,491
+HK$1,175/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,632/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,220
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,763
−HK$550/mo
Today · 4.125%
HK$21,313
baseline
▲ 0.50% · 4.625%
HK$22,436
+HK$1,123/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,626/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,811
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,489
−HK$690/mo
Today · 4.125%
HK$23,179
baseline
▲ 0.50% · 4.625%
HK$24,589
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,358/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,265
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$24,915
−HK$660/mo
Today · 4.125%
HK$25,575
baseline
▲ 0.50% · 4.625%
HK$26,924
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,150/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,446
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,238
−HK$804/mo
Today · 4.125%
HK$27,042
baseline
▲ 0.50% · 4.625%
HK$28,687
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,084/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,309
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,068
−HK$770/mo
Today · 4.125%
HK$29,838
baseline
▲ 0.50% · 4.625%
HK$31,411
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,676/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,716
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,734
−HK$1,034/mo
Today · 4.125%
HK$34,768
baseline
▲ 0.50% · 4.625%
HK$36,884
+HK$2,116/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,536/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,397
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,373
−HK$990/mo
Today · 4.125%
HK$38,363
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,022/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,726/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,129 · Scale 2, in force from 26 Feb 2026)