LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,986
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,545
−HK$569/mo
Today · 4.125%
HK$19,114
baseline
▲ 0.50% · 4.625%
HK$20,277
+HK$1,163/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,228/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,009
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,546
−HK$544/mo
Today · 4.125%
HK$21,090
baseline
▲ 0.50% · 4.625%
HK$22,202
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,180/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,583
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$22,254
−HK$682/mo
Today · 4.125%
HK$22,936
baseline
▲ 0.50% · 4.625%
HK$24,332
+HK$1,396/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,872/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,011
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,655
−HK$653/mo
Today · 4.125%
HK$25,308
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,334/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,616/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,180
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,963
−HK$796/mo
Today · 4.125%
HK$26,759
baseline
▲ 0.50% · 4.625%
HK$28,387
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,518/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,013
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,764
−HK$762/mo
Today · 4.125%
HK$29,526
baseline
▲ 0.50% · 4.625%
HK$31,082
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,052/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,374
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$33,381
−HK$1,024/mo
Today · 4.125%
HK$34,405
baseline
▲ 0.50% · 4.625%
HK$36,498
+HK$2,093/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,810/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,016
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,982
−HK$980/mo
Today · 4.125%
HK$37,962
baseline
▲ 0.50% · 4.625%
HK$39,963
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,924/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,629 · Scale 2, in force from 26 Feb 2026)