LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,552
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,098
−HK$555/mo
Today · 4.125%
HK$18,653
baseline
▲ 0.50% · 4.625%
HK$19,787
+HK$1,134/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,306/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,526
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,050
−HK$531/mo
Today · 4.125%
HK$20,581
baseline
▲ 0.50% · 4.625%
HK$21,666
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,162/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,062
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,717
−HK$666/mo
Today · 4.125%
HK$22,383
baseline
▲ 0.50% · 4.625%
HK$23,745
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,766/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,432
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,060
−HK$637/mo
Today · 4.125%
HK$24,697
baseline
▲ 0.50% · 4.625%
HK$25,999
+HK$1,302/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,394/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,573
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,337
−HK$777/mo
Today · 4.125%
HK$26,114
baseline
▲ 0.50% · 4.625%
HK$27,702
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,228/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,337
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,070
−HK$744/mo
Today · 4.125%
HK$28,814
baseline
▲ 0.50% · 4.625%
HK$30,333
+HK$1,519/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,628/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,593
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,576
−HK$999/mo
Today · 4.125%
HK$33,575
baseline
▲ 0.50% · 4.625%
HK$35,617
+HK$2,042/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,150/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,147
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,090
−HK$956/mo
Today · 4.125%
HK$37,046
baseline
▲ 0.50% · 4.625%
HK$38,999
+HK$1,953/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,092/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,920 · Scale 2, in force from 26 Feb 2026)