LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,586
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,102
−HK$524/mo
Today · 4.125%
HK$17,626
baseline
▲ 0.50% · 4.625%
HK$18,698
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,252/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,451
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,946
−HK$502/mo
Today · 4.125%
HK$19,448
baseline
▲ 0.50% · 4.625%
HK$20,474
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,896/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,903
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,522
−HK$629/mo
Today · 4.125%
HK$21,151
baseline
▲ 0.50% · 4.625%
HK$22,438
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,302/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,142
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,736
−HK$602/mo
Today · 4.125%
HK$23,338
baseline
▲ 0.50% · 4.625%
HK$24,568
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,676/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,220
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,942
−HK$734/mo
Today · 4.125%
HK$24,676
baseline
▲ 0.50% · 4.625%
HK$26,178
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,352/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,832
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,525
−HK$703/mo
Today · 4.125%
HK$27,228
baseline
▲ 0.50% · 4.625%
HK$28,663
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,456/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,854
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,783
−HK$943/mo
Today · 4.125%
HK$31,726
baseline
▲ 0.50% · 4.625%
HK$33,657
+HK$1,931/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$63,452/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,213
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,103
−HK$904/mo
Today · 4.125%
HK$35,007
baseline
▲ 0.50% · 4.625%
HK$36,852
+HK$1,845/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$70,014/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,210 · Scale 2, in force from 26 Feb 2026)