LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,529
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,074
−HK$554/mo
Today · 4.125%
HK$18,628
baseline
▲ 0.50% · 4.625%
HK$19,761
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,256/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,501
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,024
−HK$530/mo
Today · 4.125%
HK$20,554
baseline
▲ 0.50% · 4.625%
HK$21,638
+HK$1,084/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,108/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,035
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$665/mo
Today · 4.125%
HK$22,354
baseline
▲ 0.50% · 4.625%
HK$23,714
+HK$1,360/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,708/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,401
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,028
−HK$637/mo
Today · 4.125%
HK$24,665
baseline
▲ 0.50% · 4.625%
HK$25,965
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,330/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,540
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,304
−HK$775/mo
Today · 4.125%
HK$26,079
baseline
▲ 0.50% · 4.625%
HK$27,666
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,158/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,301
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,033
−HK$743/mo
Today · 4.125%
HK$28,776
baseline
▲ 0.50% · 4.625%
HK$30,293
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,552/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,552
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,533
−HK$997/mo
Today · 4.125%
HK$33,530
baseline
▲ 0.50% · 4.625%
HK$35,571
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,060/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,101
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,043
−HK$955/mo
Today · 4.125%
HK$36,998
baseline
▲ 0.50% · 4.625%
HK$38,948
+HK$1,950/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$73,996/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,617 · Scale 2, in force from 26 Feb 2026)