LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,500
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$522/mo
Today · 4.125%
HK$17,535
baseline
▲ 0.50% · 4.625%
HK$18,602
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,070/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,356
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,848
−HK$500/mo
Today · 4.125%
HK$19,348
baseline
▲ 0.50% · 4.625%
HK$20,368
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,696/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,800
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,416
−HK$626/mo
Today · 4.125%
HK$21,042
baseline
▲ 0.50% · 4.625%
HK$22,322
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,084/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,027
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,618
−HK$599/mo
Today · 4.125%
HK$23,217
baseline
▲ 0.50% · 4.625%
HK$24,441
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,434/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,100
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,819
−HK$730/mo
Today · 4.125%
HK$24,549
baseline
▲ 0.50% · 4.625%
HK$26,042
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,098/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,699
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,388
−HK$699/mo
Today · 4.125%
HK$27,087
baseline
▲ 0.50% · 4.625%
HK$28,515
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,174/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,700
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,624
−HK$939/mo
Today · 4.125%
HK$31,563
baseline
▲ 0.50% · 4.625%
HK$33,483
+HK$1,920/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,126/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,041
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,927
−HK$899/mo
Today · 4.125%
HK$34,826
baseline
▲ 0.50% · 4.625%
HK$36,662
+HK$1,836/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,652/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,082 · Scale 2, in force from 26 Feb 2026)