LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,042
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,603
−HK$570/mo
Today · 4.125%
HK$19,173
baseline
▲ 0.50% · 4.625%
HK$20,340
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,346/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,071
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,609
−HK$547/mo
Today · 4.125%
HK$21,156
baseline
▲ 0.50% · 4.625%
HK$22,271
+HK$1,115/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,312/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$237,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,650
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,323
−HK$685/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,408
+HK$1,400/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$46,016/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,085
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,731
−HK$656/mo
Today · 4.125%
HK$25,387
baseline
▲ 0.50% · 4.625%
HK$26,725
+HK$1,338/mo
Deposit HK$3.16M · loan HK$4.75M · min. income ≈ HK$50,774/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,258
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,044
−HK$798/mo
Today · 4.125%
HK$26,842
baseline
▲ 0.50% · 4.625%
HK$28,476
+HK$1,634/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$53,684/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,100
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,853
−HK$765/mo
Today · 4.125%
HK$29,618
baseline
▲ 0.50% · 4.625%
HK$31,179
+HK$1,561/mo
Deposit HK$2.37M · loan HK$5.54M · min. income ≈ HK$59,236/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,475
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$33,485
−HK$1,026/mo
Today · 4.125%
HK$34,511
baseline
▲ 0.50% · 4.625%
HK$36,611
+HK$2,100/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$69,022/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,128
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$37,097
−HK$983/mo
Today · 4.125%
HK$38,080
baseline
▲ 0.50% · 4.625%
HK$40,087
+HK$2,007/mo
Deposit HK$791K · loan HK$7.12M · min. income ≈ HK$76,160/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,364 · Scale 2, in force from 26 Feb 2026)