LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,182
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,747
−HK$575/mo
Today · 4.125%
HK$19,322
baseline
▲ 0.50% · 4.625%
HK$20,498
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,644/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,227
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,770
−HK$550/mo
Today · 4.125%
HK$21,320
baseline
▲ 0.50% · 4.625%
HK$22,444
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,640/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,818
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,497
−HK$689/mo
Today · 4.125%
HK$23,186
baseline
▲ 0.50% · 4.625%
HK$24,597
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,372/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,273
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,924
−HK$660/mo
Today · 4.125%
HK$25,584
baseline
▲ 0.50% · 4.625%
HK$26,932
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,168/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,455
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,246
−HK$805/mo
Today · 4.125%
HK$27,051
baseline
▲ 0.50% · 4.625%
HK$28,697
+HK$1,646/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,102/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,318
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,077
−HK$771/mo
Today · 4.125%
HK$29,848
baseline
▲ 0.50% · 4.625%
HK$31,421
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,696/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,727
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$33,745
−HK$1,035/mo
Today · 4.125%
HK$34,780
baseline
▲ 0.50% · 4.625%
HK$36,896
+HK$2,116/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$69,560/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,409
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,385
−HK$991/mo
Today · 4.125%
HK$38,376
baseline
▲ 0.50% · 4.625%
HK$40,399
+HK$2,023/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$76,752/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,208 · Scale 2, in force from 26 Feb 2026)