LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,951
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,509
−HK$567/mo
Today · 4.125%
HK$19,076
baseline
▲ 0.50% · 4.625%
HK$20,237
+HK$1,161/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,152/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,970
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,506
−HK$543/mo
Today · 4.125%
HK$21,049
baseline
▲ 0.50% · 4.625%
HK$22,158
+HK$1,109/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,098/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,541
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$22,211
−HK$681/mo
Today · 4.125%
HK$22,892
baseline
▲ 0.50% · 4.625%
HK$24,285
+HK$1,393/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$45,784/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,964
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$24,607
−HK$652/mo
Today · 4.125%
HK$25,259
baseline
▲ 0.50% · 4.625%
HK$26,590
+HK$1,331/mo
Deposit HK$3.15M · loan HK$4.72M · min. income ≈ HK$50,518/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,131
−HK$1,576/mo
▼ 0.25% · 3.875%
HK$25,913
−HK$794/mo
Today · 4.125%
HK$26,707
baseline
▲ 0.50% · 4.625%
HK$28,332
+HK$1,625/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$53,414/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,958
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,708
−HK$761/mo
Today · 4.125%
HK$29,469
baseline
▲ 0.50% · 4.625%
HK$31,022
+HK$1,553/mo
Deposit HK$2.36M · loan HK$5.51M · min. income ≈ HK$58,938/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,311
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$33,316
−HK$1,022/mo
Today · 4.125%
HK$34,338
baseline
▲ 0.50% · 4.625%
HK$36,427
+HK$2,089/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$68,676/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,946
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$36,910
−HK$978/mo
Today · 4.125%
HK$37,888
baseline
▲ 0.50% · 4.625%
HK$39,885
+HK$1,997/mo
Deposit HK$787K · loan HK$7.09M · min. income ≈ HK$75,776/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$236,168 · Scale 2, in force from 26 Feb 2026)