LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,545
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$554/mo
Today · 4.125%
HK$18,645
baseline
▲ 0.50% · 4.625%
HK$19,780
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,290/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,519
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,042
−HK$531/mo
Today · 4.125%
HK$20,573
baseline
▲ 0.50% · 4.625%
HK$21,658
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,146/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,054
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,709
−HK$666/mo
Today · 4.125%
HK$22,375
baseline
▲ 0.50% · 4.625%
HK$23,736
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,750/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,423
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,051
−HK$637/mo
Today · 4.125%
HK$24,688
baseline
▲ 0.50% · 4.625%
HK$25,989
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,376/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,563
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,327
−HK$777/mo
Today · 4.125%
HK$26,104
baseline
▲ 0.50% · 4.625%
HK$27,692
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,208/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,326
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,059
−HK$744/mo
Today · 4.125%
HK$28,803
baseline
▲ 0.50% · 4.625%
HK$30,321
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,606/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,581
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,564
−HK$998/mo
Today · 4.125%
HK$33,562
baseline
▲ 0.50% · 4.625%
HK$35,604
+HK$2,042/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,124/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,134
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,076
−HK$956/mo
Today · 4.125%
HK$37,032
baseline
▲ 0.50% · 4.625%
HK$38,984
+HK$1,952/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,064/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,833 · Scale 2, in force from 26 Feb 2026)