LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,569
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,084
−HK$524/mo
Today · 4.125%
HK$17,608
baseline
▲ 0.50% · 4.625%
HK$18,679
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,216/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,433
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,927
−HK$502/mo
Today · 4.125%
HK$19,429
baseline
▲ 0.50% · 4.625%
HK$20,453
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,858/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,883
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,501
−HK$628/mo
Today · 4.125%
HK$21,129
baseline
▲ 0.50% · 4.625%
HK$22,415
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,258/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,119
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,712
−HK$602/mo
Today · 4.125%
HK$23,314
baseline
▲ 0.50% · 4.625%
HK$24,543
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,628/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,196
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,918
−HK$733/mo
Today · 4.125%
HK$24,651
baseline
▲ 0.50% · 4.625%
HK$26,151
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,302/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,806
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,498
−HK$702/mo
Today · 4.125%
HK$27,200
baseline
▲ 0.50% · 4.625%
HK$28,634
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,400/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,824
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,752
−HK$942/mo
Today · 4.125%
HK$31,694
baseline
▲ 0.50% · 4.625%
HK$33,623
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,388/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$217,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,179
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,069
−HK$902/mo
Today · 4.125%
HK$34,971
baseline
▲ 0.50% · 4.625%
HK$36,815
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,942/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$217,987 · Scale 2, in force from 26 Feb 2026)