LTV · monthly repayment
▼ 0.50% · 3.625%
HK$14,627
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,082
−HK$462/mo
Today · 4.125%
HK$15,544
baseline
▲ 0.50% · 4.625%
HK$16,490
+HK$946/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$31,088/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,272
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,709
−HK$442/mo
Today · 4.125%
HK$17,151
baseline
▲ 0.50% · 4.625%
HK$18,055
+HK$904/mo
Deposit HK$3.21M · loan HK$3.21M · min. income ≈ HK$34,302/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$176,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,552
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,098
−HK$555/mo
Today · 4.125%
HK$18,653
baseline
▲ 0.50% · 4.625%
HK$19,788
+HK$1,135/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$37,306/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,527
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,050
−HK$532/mo
Today · 4.125%
HK$20,582
baseline
▲ 0.50% · 4.625%
HK$21,666
+HK$1,084/mo
Deposit HK$2.57M · loan HK$3.85M · min. income ≈ HK$41,164/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$176,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,477
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,114
−HK$648/mo
Today · 4.125%
HK$21,762
baseline
▲ 0.50% · 4.625%
HK$23,086
+HK$1,324/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$43,524/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,781
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,392
−HK$620/mo
Today · 4.125%
HK$24,012
baseline
▲ 0.50% · 4.625%
HK$25,277
+HK$1,265/mo
Deposit HK$1.92M · loan HK$4.49M · min. income ≈ HK$48,024/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$176,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,328
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,147
−HK$832/mo
Today · 4.125%
HK$27,979
baseline
▲ 0.50% · 4.625%
HK$29,682
+HK$1,703/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$55,958/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,290
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,075
−HK$797/mo
Today · 4.125%
HK$30,872
baseline
▲ 0.50% · 4.625%
HK$32,500
+HK$1,628/mo
Deposit HK$641K · loan HK$5.77M · min. income ≈ HK$61,744/mo (50% DSR)
Upfront cash ≈ HK$818K (deposit + AVD stamp duty HK$176,453 · Scale 2, in force from 26 Feb 2026)