LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,247
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,784
−HK$545/mo
Today · 4.125%
HK$18,329
baseline
▲ 0.50% · 4.625%
HK$19,444
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,658/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,187
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,702
−HK$522/mo
Today · 4.125%
HK$20,224
baseline
▲ 0.50% · 4.625%
HK$21,290
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,448/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,696
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,340
−HK$654/mo
Today · 4.125%
HK$21,994
baseline
▲ 0.50% · 4.625%
HK$23,333
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$43,988/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,025
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,642
−HK$627/mo
Today · 4.125%
HK$24,269
baseline
▲ 0.50% · 4.625%
HK$25,548
+HK$1,279/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,538/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,146
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,897
−HK$763/mo
Today · 4.125%
HK$25,660
baseline
▲ 0.50% · 4.625%
HK$27,221
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,320/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,862
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,583
−HK$730/mo
Today · 4.125%
HK$28,313
baseline
▲ 0.50% · 4.625%
HK$29,806
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,626/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,045
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,010
−HK$982/mo
Today · 4.125%
HK$32,992
baseline
▲ 0.50% · 4.625%
HK$34,999
+HK$2,007/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$65,984/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,537
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,463
−HK$940/mo
Today · 4.125%
HK$36,403
baseline
▲ 0.50% · 4.625%
HK$38,322
+HK$1,919/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$72,806/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,910 · Scale 2, in force from 26 Feb 2026)