LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,935
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,493
−HK$567/mo
Today · 4.125%
HK$19,060
baseline
▲ 0.50% · 4.625%
HK$20,219
+HK$1,159/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$38,120/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,952
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,487
−HK$543/mo
Today · 4.125%
HK$21,030
baseline
▲ 0.50% · 4.625%
HK$22,139
+HK$1,109/mo
Deposit HK$3.93M · loan HK$3.93M · min. income ≈ HK$42,060/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$235,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,522
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,191
−HK$680/mo
Today · 4.125%
HK$22,871
baseline
▲ 0.50% · 4.625%
HK$24,263
+HK$1,392/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,742/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,943
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$24,585
−HK$651/mo
Today · 4.125%
HK$25,236
baseline
▲ 0.50% · 4.625%
HK$26,567
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,472/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,109
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$25,890
−HK$793/mo
Today · 4.125%
HK$26,683
baseline
▲ 0.50% · 4.625%
HK$28,307
+HK$1,624/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,366/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,933
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,682
−HK$760/mo
Today · 4.125%
HK$29,442
baseline
▲ 0.50% · 4.625%
HK$30,994
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,884/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,283
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$33,287
−HK$1,020/mo
Today · 4.125%
HK$34,307
baseline
▲ 0.50% · 4.625%
HK$36,395
+HK$2,088/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$68,614/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,914
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,877
−HK$978/mo
Today · 4.125%
HK$37,855
baseline
▲ 0.50% · 4.625%
HK$39,850
+HK$1,995/mo
Deposit HK$787K · loan HK$7.08M · min. income ≈ HK$75,710/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$235,959 · Scale 2, in force from 26 Feb 2026)