LTV · monthly repayment
▼ 0.50% · 3.625%
HK$16,948
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,475
−HK$536/mo
Today · 4.125%
HK$18,011
baseline
▲ 0.50% · 4.625%
HK$19,107
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,022/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,855
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,360
−HK$513/mo
Today · 4.125%
HK$19,873
baseline
▲ 0.50% · 4.625%
HK$20,921
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,746/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,338
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,970
−HK$643/mo
Today · 4.125%
HK$21,613
baseline
▲ 0.50% · 4.625%
HK$22,928
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,226/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,626
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,232
−HK$616/mo
Today · 4.125%
HK$23,848
baseline
▲ 0.50% · 4.625%
HK$25,105
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,696/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,727
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,466
−HK$749/mo
Today · 4.125%
HK$25,215
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,430/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,397
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,105
−HK$718/mo
Today · 4.125%
HK$27,823
baseline
▲ 0.50% · 4.625%
HK$29,289
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,646/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,507
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,456
−HK$964/mo
Today · 4.125%
HK$32,420
baseline
▲ 0.50% · 4.625%
HK$34,392
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,840/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,938
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,849
−HK$923/mo
Today · 4.125%
HK$35,772
baseline
▲ 0.50% · 4.625%
HK$37,658
+HK$1,886/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,544/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,978 · Scale 2, in force from 26 Feb 2026)