LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,023
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,584
−HK$569/mo
Today · 4.125%
HK$19,153
baseline
▲ 0.50% · 4.625%
HK$20,319
+HK$1,166/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$38,306/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,050
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,588
−HK$546/mo
Today · 4.125%
HK$21,134
baseline
▲ 0.50% · 4.625%
HK$22,248
+HK$1,114/mo
Deposit HK$3.95M · loan HK$3.95M · min. income ≈ HK$42,268/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,628
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$22,300
−HK$684/mo
Today · 4.125%
HK$22,984
baseline
▲ 0.50% · 4.625%
HK$24,382
+HK$1,398/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$45,968/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,061
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$24,706
−HK$655/mo
Today · 4.125%
HK$25,361
baseline
▲ 0.50% · 4.625%
HK$26,697
+HK$1,336/mo
Deposit HK$3.16M · loan HK$4.74M · min. income ≈ HK$50,722/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,232
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$26,017
−HK$798/mo
Today · 4.125%
HK$26,815
baseline
▲ 0.50% · 4.625%
HK$28,446
+HK$1,631/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$53,630/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,071
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,824
−HK$763/mo
Today · 4.125%
HK$29,587
baseline
▲ 0.50% · 4.625%
HK$31,147
+HK$1,560/mo
Deposit HK$2.37M · loan HK$5.53M · min. income ≈ HK$59,174/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,442
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$33,451
−HK$1,025/mo
Today · 4.125%
HK$34,476
baseline
▲ 0.50% · 4.625%
HK$36,574
+HK$2,098/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$68,952/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,091
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$37,059
−HK$982/mo
Today · 4.125%
HK$38,041
baseline
▲ 0.50% · 4.625%
HK$40,046
+HK$2,005/mo
Deposit HK$790K · loan HK$7.11M · min. income ≈ HK$76,082/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,120 · Scale 2, in force from 26 Feb 2026)