LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,182
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,748
−HK$574/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$239,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,228
−HK$1,092/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$239,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,819
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,497
−HK$690/mo
Today · 4.125%
HK$23,187
baseline
▲ 0.50% · 4.625%
HK$24,598
+HK$1,411/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,374/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,273
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,924
−HK$661/mo
Today · 4.125%
HK$25,585
baseline
▲ 0.50% · 4.625%
HK$26,933
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,170/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,455
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,247
−HK$804/mo
Today · 4.125%
HK$27,051
baseline
▲ 0.50% · 4.625%
HK$28,698
+HK$1,647/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$239,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,319
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,078
−HK$771/mo
Today · 4.125%
HK$29,849
baseline
▲ 0.50% · 4.625%
HK$31,422
+HK$1,573/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,698/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,728
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$33,746
−HK$1,034/mo
Today · 4.125%
HK$34,780
baseline
▲ 0.50% · 4.625%
HK$36,897
+HK$2,117/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$239,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,410
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$37,386
−HK$991/mo
Today · 4.125%
HK$38,377
baseline
▲ 0.50% · 4.625%
HK$40,400
+HK$2,023/mo
Deposit HK$797K · loan HK$7.18M · min. income ≈ HK$76,754/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,214 · Scale 2, in force from 26 Feb 2026)