LTV · monthly repayment
▼ 0.50% · 3.625%
HK$10,480
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$331/mo
Today · 4.125%
HK$11,137
baseline
▲ 0.50% · 4.625%
HK$11,815
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,274/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,659
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,972
−HK$317/mo
Today · 4.125%
HK$12,289
baseline
▲ 0.50% · 4.625%
HK$12,937
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,578/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,576
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,967
−HK$398/mo
Today · 4.125%
HK$13,365
baseline
▲ 0.50% · 4.625%
HK$14,178
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,730/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,991
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,366
−HK$381/mo
Today · 4.125%
HK$14,747
baseline
▲ 0.50% · 4.625%
HK$15,524
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,494/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,672
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,129
−HK$463/mo
Today · 4.125%
HK$15,592
baseline
▲ 0.50% · 4.625%
HK$16,541
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,184/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,323
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,760
−HK$445/mo
Today · 4.125%
HK$17,205
baseline
▲ 0.50% · 4.625%
HK$18,111
+HK$906/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,410/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,864
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$596/mo
Today · 4.125%
HK$20,047
baseline
▲ 0.50% · 4.625%
HK$21,267
+HK$1,220/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,094/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,986
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,549
−HK$571/mo
Today · 4.125%
HK$22,120
baseline
▲ 0.50% · 4.625%
HK$23,286
+HK$1,166/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,240/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,104 · Scale 2, in force from 26 Feb 2026)