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$235,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,952
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,488
−HK$542/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$235,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,522
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$22,191
−HK$681/mo
Today · 4.125%
HK$22,872
baseline
▲ 0.50% · 4.625%
HK$24,263
+HK$1,391/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,744/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,943
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$24,585
−HK$652/mo
Today · 4.125%
HK$25,237
baseline
▲ 0.50% · 4.625%
HK$26,567
+HK$1,330/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,474/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$235,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,109
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,890
−HK$794/mo
Today · 4.125%
HK$26,684
baseline
▲ 0.50% · 4.625%
HK$28,307
+HK$1,623/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,368/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,933
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,683
−HK$760/mo
Today · 4.125%
HK$29,443
baseline
▲ 0.50% · 4.625%
HK$30,995
+HK$1,552/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,886/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$235,960 · 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$235,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,914
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$36,878
−HK$977/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$235,960 · Scale 2, in force from 26 Feb 2026)