LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,148
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,681
−HK$542/mo
Today · 4.125%
HK$18,223
baseline
▲ 0.50% · 4.625%
HK$19,332
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,446/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,077
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,589
−HK$519/mo
Today · 4.125%
HK$20,108
baseline
▲ 0.50% · 4.625%
HK$21,167
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,216/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,578
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$650/mo
Today · 4.125%
HK$21,868
baseline
▲ 0.50% · 4.625%
HK$23,199
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,736/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,892
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,506
−HK$623/mo
Today · 4.125%
HK$24,129
baseline
▲ 0.50% · 4.625%
HK$25,401
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,258/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,007
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,754
−HK$759/mo
Today · 4.125%
HK$25,513
baseline
▲ 0.50% · 4.625%
HK$27,065
+HK$1,552/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$51,026/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,708
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,424
−HK$727/mo
Today · 4.125%
HK$28,151
baseline
▲ 0.50% · 4.625%
HK$29,634
+HK$1,483/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,302/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,866
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,826
−HK$976/mo
Today · 4.125%
HK$32,802
baseline
▲ 0.50% · 4.625%
HK$34,798
+HK$1,996/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,604/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,338
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,259
−HK$935/mo
Today · 4.125%
HK$36,194
baseline
▲ 0.50% · 4.625%
HK$38,101
+HK$1,907/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,388/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,606 · Scale 2, in force from 26 Feb 2026)