LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,177
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,743
−HK$574/mo
Today · 4.125%
HK$19,317
baseline
▲ 0.50% · 4.625%
HK$20,493
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,634/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,222
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,765
−HK$550/mo
Today · 4.125%
HK$21,315
baseline
▲ 0.50% · 4.625%
HK$22,438
+HK$1,123/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,630/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,813
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,491
−HK$690/mo
Today · 4.125%
HK$23,181
baseline
▲ 0.50% · 4.625%
HK$24,591
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,362/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,267
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,917
−HK$661/mo
Today · 4.125%
HK$25,578
baseline
▲ 0.50% · 4.625%
HK$26,926
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,156/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,448
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,240
−HK$804/mo
Today · 4.125%
HK$27,044
baseline
▲ 0.50% · 4.625%
HK$28,690
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,088/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,311
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,070
−HK$771/mo
Today · 4.125%
HK$29,841
baseline
▲ 0.50% · 4.625%
HK$31,414
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,682/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,719
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,737
−HK$1,034/mo
Today · 4.125%
HK$34,771
baseline
▲ 0.50% · 4.625%
HK$36,887
+HK$2,116/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,542/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,400
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,376
−HK$991/mo
Today · 4.125%
HK$38,367
baseline
▲ 0.50% · 4.625%
HK$40,389
+HK$2,022/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,734/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,150 · Scale 2, in force from 26 Feb 2026)