LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,873
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,398
−HK$533/mo
Today · 4.125%
HK$17,931
baseline
▲ 0.50% · 4.625%
HK$19,022
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,862/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,771
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,275
−HK$510/mo
Today · 4.125%
HK$19,785
baseline
▲ 0.50% · 4.625%
HK$20,828
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,570/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,248
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,878
−HK$639/mo
Today · 4.125%
HK$21,517
baseline
▲ 0.50% · 4.625%
HK$22,827
+HK$1,310/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,034/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,525
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,130
−HK$612/mo
Today · 4.125%
HK$23,742
baseline
▲ 0.50% · 4.625%
HK$24,994
+HK$1,252/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,484/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,622
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,357
−HK$747/mo
Today · 4.125%
HK$25,104
baseline
▲ 0.50% · 4.625%
HK$26,631
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,208/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,280
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,984
−HK$715/mo
Today · 4.125%
HK$27,699
baseline
▲ 0.50% · 4.625%
HK$29,160
+HK$1,461/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,398/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,372
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,316
−HK$960/mo
Today · 4.125%
HK$32,276
baseline
▲ 0.50% · 4.625%
HK$34,240
+HK$1,964/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$64,552/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,788
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,694
−HK$920/mo
Today · 4.125%
HK$35,614
baseline
▲ 0.50% · 4.625%
HK$37,491
+HK$1,877/mo
Deposit HK$740K · loan HK$6.66M · min. income ≈ HK$71,228/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$221,990 · Scale 2, in force from 26 Feb 2026)