LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,240
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$16,745
−HK$513/mo
Today · 4.125%
HK$17,258
baseline
▲ 0.50% · 4.625%
HK$18,308
+HK$1,050/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$34,516/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,066
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,551
−HK$491/mo
Today · 4.125%
HK$19,042
baseline
▲ 0.50% · 4.625%
HK$20,046
+HK$1,004/mo
Deposit HK$3.56M · loan HK$3.56M · min. income ≈ HK$38,084/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$213,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,487
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,094
−HK$616/mo
Today · 4.125%
HK$20,710
baseline
▲ 0.50% · 4.625%
HK$21,970
+HK$1,260/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$41,420/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,261
−HK$590/mo
Today · 4.125%
HK$22,851
baseline
▲ 0.50% · 4.625%
HK$24,055
+HK$1,204/mo
Deposit HK$2.85M · loan HK$4.27M · min. income ≈ HK$45,702/mo (50% DSR)
Upfront cash ≈ HK$3.06M (deposit + AVD stamp duty HK$213,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,735
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,443
−HK$718/mo
Today · 4.125%
HK$24,161
baseline
▲ 0.50% · 4.625%
HK$25,631
+HK$1,470/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$48,322/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,293
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,971
−HK$688/mo
Today · 4.125%
HK$26,659
baseline
▲ 0.50% · 4.625%
HK$28,065
+HK$1,406/mo
Deposit HK$2.14M · loan HK$4.99M · min. income ≈ HK$53,318/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$213,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,231
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,140
−HK$924/mo
Today · 4.125%
HK$31,064
baseline
▲ 0.50% · 4.625%
HK$32,954
+HK$1,890/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$62,128/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,519
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,392
−HK$884/mo
Today · 4.125%
HK$34,276
baseline
▲ 0.50% · 4.625%
HK$36,083
+HK$1,807/mo
Deposit HK$712K · loan HK$6.41M · min. income ≈ HK$68,552/mo (50% DSR)
Upfront cash ≈ HK$926K (deposit + AVD stamp duty HK$213,655 · Scale 2, in force from 26 Feb 2026)