LTV · monthly repayment
▼ 0.50% · 3.625%
HK$10,503
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,830
−HK$332/mo
Today · 4.125%
HK$11,162
baseline
▲ 0.50% · 4.625%
HK$11,841
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,324/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,685
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,998
−HK$318/mo
Today · 4.125%
HK$12,316
baseline
▲ 0.50% · 4.625%
HK$12,965
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,632/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,604
−HK$791/mo
▼ 0.25% · 3.875%
HK$12,996
−HK$399/mo
Today · 4.125%
HK$13,395
baseline
▲ 0.50% · 4.625%
HK$14,210
+HK$815/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,790/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,022
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,398
−HK$382/mo
Today · 4.125%
HK$14,780
baseline
▲ 0.50% · 4.625%
HK$15,559
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,560/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,705
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,162
−HK$465/mo
Today · 4.125%
HK$15,627
baseline
▲ 0.50% · 4.625%
HK$16,578
+HK$951/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,254/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,359
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,798
−HK$445/mo
Today · 4.125%
HK$17,243
baseline
▲ 0.50% · 4.625%
HK$18,152
+HK$909/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,486/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,906
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,494
−HK$598/mo
Today · 4.125%
HK$20,092
baseline
▲ 0.50% · 4.625%
HK$21,314
+HK$1,222/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,184/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,033
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,597
−HK$572/mo
Today · 4.125%
HK$22,169
baseline
▲ 0.50% · 4.625%
HK$23,338
+HK$1,169/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,338/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,126 · Scale 2, in force from 26 Feb 2026)