LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,075
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,606
−HK$539/mo
Today · 4.125%
HK$18,145
baseline
▲ 0.50% · 4.625%
HK$19,249
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,290/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,995
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,505
−HK$517/mo
Today · 4.125%
HK$20,022
baseline
▲ 0.50% · 4.625%
HK$21,077
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,044/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,490
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,127
−HK$647/mo
Today · 4.125%
HK$21,774
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,325/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$43,548/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,794
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,406
−HK$620/mo
Today · 4.125%
HK$24,026
baseline
▲ 0.50% · 4.625%
HK$25,292
+HK$1,266/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$48,052/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,904
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,648
−HK$756/mo
Today · 4.125%
HK$25,404
baseline
▲ 0.50% · 4.625%
HK$26,949
+HK$1,545/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,808/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,594
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,307
−HK$723/mo
Today · 4.125%
HK$28,030
baseline
▲ 0.50% · 4.625%
HK$29,508
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,060/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,734
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,690
−HK$972/mo
Today · 4.125%
HK$32,662
baseline
▲ 0.50% · 4.625%
HK$34,649
+HK$1,987/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,324/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,192
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,109
−HK$930/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$37,939
+HK$1,900/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,642 · Scale 2, in force from 26 Feb 2026)