LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,595
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,111
−HK$525/mo
Today · 4.125%
HK$17,636
baseline
▲ 0.50% · 4.625%
HK$18,709
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,272/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,462
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,957
−HK$502/mo
Today · 4.125%
HK$19,459
baseline
▲ 0.50% · 4.625%
HK$20,485
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,918/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,914
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,534
−HK$629/mo
Today · 4.125%
HK$21,163
baseline
▲ 0.50% · 4.625%
HK$22,451
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,326/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,154
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,749
−HK$602/mo
Today · 4.125%
HK$23,351
baseline
▲ 0.50% · 4.625%
HK$24,582
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,702/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,233
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,956
−HK$734/mo
Today · 4.125%
HK$24,690
baseline
▲ 0.50% · 4.625%
HK$26,193
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,380/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,847
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,540
−HK$703/mo
Today · 4.125%
HK$27,243
baseline
▲ 0.50% · 4.625%
HK$28,679
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,486/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,871
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,801
−HK$944/mo
Today · 4.125%
HK$31,745
baseline
▲ 0.50% · 4.625%
HK$33,676
+HK$1,931/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,490/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,232
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,123
−HK$904/mo
Today · 4.125%
HK$35,027
baseline
▲ 0.50% · 4.625%
HK$36,873
+HK$1,846/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,054/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,334 · Scale 2, in force from 26 Feb 2026)