LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,571
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,087
−HK$523/mo
Today · 4.125%
HK$17,610
baseline
▲ 0.50% · 4.625%
HK$18,682
+HK$1,072/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,220/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,435
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,930
−HK$501/mo
Today · 4.125%
HK$19,431
baseline
▲ 0.50% · 4.625%
HK$20,456
+HK$1,025/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,862/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,885
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,504
−HK$628/mo
Today · 4.125%
HK$21,132
baseline
▲ 0.50% · 4.625%
HK$22,418
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,264/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$218,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,122
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,716
−HK$602/mo
Today · 4.125%
HK$23,318
baseline
▲ 0.50% · 4.625%
HK$24,547
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,636/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$218,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,200
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,921
−HK$734/mo
Today · 4.125%
HK$24,655
baseline
▲ 0.50% · 4.625%
HK$26,155
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,310/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,809
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,502
−HK$702/mo
Today · 4.125%
HK$27,204
baseline
▲ 0.50% · 4.625%
HK$28,638
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,408/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,828
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,756
−HK$943/mo
Today · 4.125%
HK$31,699
baseline
▲ 0.50% · 4.625%
HK$33,627
+HK$1,928/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,398/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,184
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,073
−HK$903/mo
Today · 4.125%
HK$34,976
baseline
▲ 0.50% · 4.625%
HK$36,820
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,952/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,018 · Scale 2, in force from 26 Feb 2026)