LTV · monthly repayment
▼ 0.50% · 3.625%
HK$17,988
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,547
−HK$568/mo
Today · 4.125%
HK$19,115
baseline
▲ 0.50% · 4.625%
HK$20,279
+HK$1,164/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$38,230/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,011
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,548
−HK$544/mo
Today · 4.125%
HK$21,092
baseline
▲ 0.50% · 4.625%
HK$22,204
+HK$1,112/mo
Deposit HK$3.94M · loan HK$3.94M · min. income ≈ HK$42,184/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$236,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,585
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$22,256
−HK$683/mo
Today · 4.125%
HK$22,939
baseline
▲ 0.50% · 4.625%
HK$24,334
+HK$1,395/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$45,878/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,013
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$24,657
−HK$653/mo
Today · 4.125%
HK$25,310
baseline
▲ 0.50% · 4.625%
HK$26,645
+HK$1,335/mo
Deposit HK$3.16M · loan HK$4.73M · min. income ≈ HK$50,620/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$236,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,183
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,966
−HK$796/mo
Today · 4.125%
HK$26,762
baseline
▲ 0.50% · 4.625%
HK$28,390
+HK$1,628/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$53,524/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,015
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,767
−HK$762/mo
Today · 4.125%
HK$29,529
baseline
▲ 0.50% · 4.625%
HK$31,085
+HK$1,556/mo
Deposit HK$2.37M · loan HK$5.52M · min. income ≈ HK$59,058/mo (50% DSR)
Upfront cash ≈ HK$2.60M (deposit + AVD stamp duty HK$236,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,378
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$33,385
−HK$1,023/mo
Today · 4.125%
HK$34,408
baseline
▲ 0.50% · 4.625%
HK$36,502
+HK$2,094/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$68,816/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,020
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$36,986
−HK$980/mo
Today · 4.125%
HK$37,966
baseline
▲ 0.50% · 4.625%
HK$39,967
+HK$2,001/mo
Deposit HK$789K · loan HK$7.10M · min. income ≈ HK$75,932/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$236,652 · Scale 2, in force from 26 Feb 2026)