LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,606
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,123
−HK$525/mo
Today · 4.125%
HK$17,648
baseline
▲ 0.50% · 4.625%
HK$18,722
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,296/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,474
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,970
−HK$503/mo
Today · 4.125%
HK$19,473
baseline
▲ 0.50% · 4.625%
HK$20,499
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,946/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,928
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,547
−HK$630/mo
Today · 4.125%
HK$21,177
baseline
▲ 0.50% · 4.625%
HK$22,466
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,354/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,169
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,764
−HK$603/mo
Today · 4.125%
HK$23,367
baseline
▲ 0.50% · 4.625%
HK$24,599
+HK$1,232/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,734/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,249
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,972
−HK$735/mo
Today · 4.125%
HK$24,707
baseline
▲ 0.50% · 4.625%
HK$26,210
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,414/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,864
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,558
−HK$704/mo
Today · 4.125%
HK$27,262
baseline
▲ 0.50% · 4.625%
HK$28,699
+HK$1,437/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,524/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,891
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,821
−HK$945/mo
Today · 4.125%
HK$31,766
baseline
▲ 0.50% · 4.625%
HK$33,699
+HK$1,933/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,532/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,254
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,146
−HK$905/mo
Today · 4.125%
HK$35,051
baseline
▲ 0.50% · 4.625%
HK$36,898
+HK$1,847/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,102/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,481 · Scale 2, in force from 26 Feb 2026)