LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,138
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,671
−HK$542/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,321
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,426/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,066
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,577
−HK$519/mo
Today · 4.125%
HK$20,096
baseline
▲ 0.50% · 4.625%
HK$21,155
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,192/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,565
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,205
−HK$650/mo
Today · 4.125%
HK$21,855
baseline
▲ 0.50% · 4.625%
HK$23,185
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,710/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,879
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,492
−HK$623/mo
Today · 4.125%
HK$24,115
baseline
▲ 0.50% · 4.625%
HK$25,386
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,230/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,993
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,739
−HK$759/mo
Today · 4.125%
HK$25,498
baseline
▲ 0.50% · 4.625%
HK$27,049
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,996/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,692
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,408
−HK$726/mo
Today · 4.125%
HK$28,134
baseline
▲ 0.50% · 4.625%
HK$29,617
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,268/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,848
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,808
−HK$975/mo
Today · 4.125%
HK$32,783
baseline
▲ 0.50% · 4.625%
HK$34,777
+HK$1,994/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$65,566/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,318
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,239
−HK$933/mo
Today · 4.125%
HK$36,172
baseline
▲ 0.50% · 4.625%
HK$38,079
+HK$1,907/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$72,344/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,474 · Scale 2, in force from 26 Feb 2026)