LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,787
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,340
−HK$562/mo
Today · 4.125%
HK$18,902
baseline
▲ 0.50% · 4.625%
HK$20,053
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,804/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,788
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,319
−HK$538/mo
Today · 4.125%
HK$20,857
baseline
▲ 0.50% · 4.625%
HK$21,956
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,714/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,344
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$675/mo
Today · 4.125%
HK$22,683
baseline
▲ 0.50% · 4.625%
HK$24,063
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,366/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,745
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,382
−HK$646/mo
Today · 4.125%
HK$25,028
baseline
▲ 0.50% · 4.625%
HK$26,348
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,056/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,902
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,676
−HK$787/mo
Today · 4.125%
HK$26,463
baseline
▲ 0.50% · 4.625%
HK$28,074
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,926/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,703
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,446
−HK$754/mo
Today · 4.125%
HK$29,200
baseline
▲ 0.50% · 4.625%
HK$30,739
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,400/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,017
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,013
−HK$1,011/mo
Today · 4.125%
HK$34,024
baseline
▲ 0.50% · 4.625%
HK$36,095
+HK$2,071/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,048/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,618
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,573
−HK$970/mo
Today · 4.125%
HK$37,543
baseline
▲ 0.50% · 4.625%
HK$39,521
+HK$1,978/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,086/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,014 · Scale 2, in force from 26 Feb 2026)