LTV · monthly repayment
▼ 0.50% · 3.625%
HK$15,060
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,529
−HK$476/mo
Today · 4.125%
HK$16,005
baseline
▲ 0.50% · 4.625%
HK$16,978
+HK$973/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$32,010/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,754
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,204
−HK$456/mo
Today · 4.125%
HK$17,660
baseline
▲ 0.50% · 4.625%
HK$18,590
+HK$930/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,320/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$195,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,072
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,634
−HK$572/mo
Today · 4.125%
HK$19,206
baseline
▲ 0.50% · 4.625%
HK$20,374
+HK$1,168/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$38,412/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,105
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,644
−HK$547/mo
Today · 4.125%
HK$21,191
baseline
▲ 0.50% · 4.625%
HK$22,308
+HK$1,117/mo
Deposit HK$2.64M · loan HK$3.96M · min. income ≈ HK$42,382/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$195,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,084
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,740
−HK$666/mo
Today · 4.125%
HK$22,406
baseline
▲ 0.50% · 4.625%
HK$23,770
+HK$1,364/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$44,812/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,456
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$638/mo
Today · 4.125%
HK$24,723
baseline
▲ 0.50% · 4.625%
HK$26,027
+HK$1,304/mo
Deposit HK$1.98M · loan HK$4.62M · min. income ≈ HK$49,446/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$195,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,108
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,952
−HK$856/mo
Today · 4.125%
HK$28,808
baseline
▲ 0.50% · 4.625%
HK$30,561
+HK$1,753/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$57,616/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,158
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$30,967
−HK$820/mo
Today · 4.125%
HK$31,787
baseline
▲ 0.50% · 4.625%
HK$33,463
+HK$1,676/mo
Deposit HK$660K · loan HK$5.94M · min. income ≈ HK$63,574/mo (50% DSR)
Upfront cash ≈ HK$856K (deposit + AVD stamp duty HK$195,463 · Scale 2, in force from 26 Feb 2026)