LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,782
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,336
−HK$561/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$20,047
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,783
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,313
−HK$539/mo
Today · 4.125%
HK$20,852
baseline
▲ 0.50% · 4.625%
HK$21,951
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,704/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,339
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,003
−HK$674/mo
Today · 4.125%
HK$22,677
baseline
▲ 0.50% · 4.625%
HK$24,057
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,354/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,739
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,376
−HK$646/mo
Today · 4.125%
HK$25,022
baseline
▲ 0.50% · 4.625%
HK$26,341
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,044/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,895
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,670
−HK$786/mo
Today · 4.125%
HK$26,456
baseline
▲ 0.50% · 4.625%
HK$28,066
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,912/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,696
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,439
−HK$753/mo
Today · 4.125%
HK$29,192
baseline
▲ 0.50% · 4.625%
HK$30,731
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,384/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,008
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,004
−HK$1,011/mo
Today · 4.125%
HK$34,015
baseline
▲ 0.50% · 4.625%
HK$36,085
+HK$2,070/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,030/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,609
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,564
−HK$969/mo
Today · 4.125%
HK$37,533
baseline
▲ 0.50% · 4.625%
HK$39,511
+HK$1,978/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,066/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,953 · Scale 2, in force from 26 Feb 2026)