LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,309
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,847
−HK$547/mo
Today · 4.125%
HK$18,394
baseline
▲ 0.50% · 4.625%
HK$19,513
+HK$1,119/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,788/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,256
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,772
−HK$524/mo
Today · 4.125%
HK$20,296
baseline
▲ 0.50% · 4.625%
HK$21,366
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,592/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,770
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,416
−HK$657/mo
Today · 4.125%
HK$22,073
baseline
▲ 0.50% · 4.625%
HK$23,416
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$44,146/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,107
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,727
−HK$628/mo
Today · 4.125%
HK$24,355
baseline
▲ 0.50% · 4.625%
HK$25,639
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$48,710/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,232
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,986
−HK$766/mo
Today · 4.125%
HK$25,752
baseline
▲ 0.50% · 4.625%
HK$27,319
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,504/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,958
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,681
−HK$733/mo
Today · 4.125%
HK$28,414
baseline
▲ 0.50% · 4.625%
HK$29,912
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,828/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,156
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,125
−HK$984/mo
Today · 4.125%
HK$33,109
baseline
▲ 0.50% · 4.625%
HK$35,124
+HK$2,015/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,218/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,660
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,590
−HK$943/mo
Today · 4.125%
HK$36,533
baseline
▲ 0.50% · 4.625%
HK$38,459
+HK$1,926/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,066/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,721 · Scale 2, in force from 26 Feb 2026)