LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,056
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$18,618
−HK$571/mo
Today · 4.125%
HK$19,189
baseline
▲ 0.50% · 4.625%
HK$20,356
+HK$1,167/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,378/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,088
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$20,626
−HK$547/mo
Today · 4.125%
HK$21,173
baseline
▲ 0.50% · 4.625%
HK$22,289
+HK$1,116/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,346/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,668
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$22,342
−HK$684/mo
Today · 4.125%
HK$23,026
baseline
▲ 0.50% · 4.625%
HK$24,428
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,052/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,105
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$24,752
−HK$655/mo
Today · 4.125%
HK$25,407
baseline
▲ 0.50% · 4.625%
HK$26,747
+HK$1,340/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,814/mo (50% DSR)
Upfront cash ≈ HK$3.40M (deposit + AVD stamp duty HK$237,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,279
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,065
−HK$799/mo
Today · 4.125%
HK$26,864
baseline
▲ 0.50% · 4.625%
HK$28,499
+HK$1,635/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$53,728/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,123
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,877
−HK$765/mo
Today · 4.125%
HK$29,642
baseline
▲ 0.50% · 4.625%
HK$31,204
+HK$1,562/mo
Deposit HK$2.38M · loan HK$5.54M · min. income ≈ HK$59,284/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,502
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$33,513
−HK$1,027/mo
Today · 4.125%
HK$34,540
baseline
▲ 0.50% · 4.625%
HK$36,641
+HK$2,101/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,080/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,158
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,127
−HK$984/mo
Today · 4.125%
HK$38,111
baseline
▲ 0.50% · 4.625%
HK$40,120
+HK$2,009/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,222/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,558 · Scale 2, in force from 26 Feb 2026)