LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,568
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,083
−HK$524/mo
Today · 4.125%
HK$17,607
baseline
▲ 0.50% · 4.625%
HK$18,678
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,214/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,432
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,926
−HK$501/mo
Today · 4.125%
HK$19,427
baseline
▲ 0.50% · 4.625%
HK$20,452
+HK$1,025/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,854/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,882
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,500
−HK$628/mo
Today · 4.125%
HK$21,128
baseline
▲ 0.50% · 4.625%
HK$22,414
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,256/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,118
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,711
−HK$602/mo
Today · 4.125%
HK$23,313
baseline
▲ 0.50% · 4.625%
HK$24,542
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,626/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,195
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,917
−HK$733/mo
Today · 4.125%
HK$24,650
baseline
▲ 0.50% · 4.625%
HK$26,150
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,300/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,804
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,496
−HK$702/mo
Today · 4.125%
HK$27,198
baseline
▲ 0.50% · 4.625%
HK$28,632
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,396/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,822
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,750
−HK$942/mo
Today · 4.125%
HK$31,692
baseline
▲ 0.50% · 4.625%
HK$33,621
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,384/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$217,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,177
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,067
−HK$902/mo
Today · 4.125%
HK$34,969
baseline
▲ 0.50% · 4.625%
HK$36,813
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,938/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$217,975 · Scale 2, in force from 26 Feb 2026)