LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,131
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,633
−HK$510/mo
Today · 4.125%
HK$17,143
baseline
▲ 0.50% · 4.625%
HK$18,186
+HK$1,043/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$34,286/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,946
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,427
−HK$488/mo
Today · 4.125%
HK$18,915
baseline
▲ 0.50% · 4.625%
HK$19,912
+HK$997/mo
Deposit HK$3.54M · loan HK$3.54M · min. income ≈ HK$37,830/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$212,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,357
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,960
−HK$611/mo
Today · 4.125%
HK$20,571
baseline
▲ 0.50% · 4.625%
HK$21,823
+HK$1,252/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$41,142/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,535
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,113
−HK$585/mo
Today · 4.125%
HK$22,698
baseline
▲ 0.50% · 4.625%
HK$23,895
+HK$1,197/mo
Deposit HK$2.83M · loan HK$4.24M · min. income ≈ HK$45,396/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$212,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,584
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$23,286
−HK$714/mo
Today · 4.125%
HK$24,000
baseline
▲ 0.50% · 4.625%
HK$25,460
+HK$1,460/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$48,000/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,124
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,798
−HK$684/mo
Today · 4.125%
HK$26,482
baseline
▲ 0.50% · 4.625%
HK$27,877
+HK$1,395/mo
Deposit HK$2.12M · loan HK$4.95M · min. income ≈ HK$52,964/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$212,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,036
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,939
−HK$918/mo
Today · 4.125%
HK$30,857
baseline
▲ 0.50% · 4.625%
HK$32,735
+HK$1,878/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$61,714/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,303
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,169
−HK$879/mo
Today · 4.125%
HK$34,048
baseline
▲ 0.50% · 4.625%
HK$35,842
+HK$1,794/mo
Deposit HK$707K · loan HK$6.37M · min. income ≈ HK$68,096/mo (50% DSR)
Upfront cash ≈ HK$920K (deposit + AVD stamp duty HK$212,230 · Scale 2, in force from 26 Feb 2026)