LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,594
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,110
−HK$524/mo
Today · 4.125%
HK$17,634
baseline
▲ 0.50% · 4.625%
HK$18,707
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,268/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,460
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,955
−HK$503/mo
Today · 4.125%
HK$19,458
baseline
▲ 0.50% · 4.625%
HK$20,483
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,916/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,912
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,532
−HK$629/mo
Today · 4.125%
HK$21,161
baseline
▲ 0.50% · 4.625%
HK$22,449
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,322/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,152
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,746
−HK$603/mo
Today · 4.125%
HK$23,349
baseline
▲ 0.50% · 4.625%
HK$24,580
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,698/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,231
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,954
−HK$734/mo
Today · 4.125%
HK$24,688
baseline
▲ 0.50% · 4.625%
HK$26,190
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,376/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,844
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,537
−HK$704/mo
Today · 4.125%
HK$27,241
baseline
▲ 0.50% · 4.625%
HK$28,676
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,482/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,868
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,797
−HK$944/mo
Today · 4.125%
HK$31,741
baseline
▲ 0.50% · 4.625%
HK$33,673
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,482/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,228
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,119
−HK$905/mo
Today · 4.125%
HK$35,024
baseline
▲ 0.50% · 4.625%
HK$36,870
+HK$1,846/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,048/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,312 · Scale 2, in force from 26 Feb 2026)