LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,068
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,631
−HK$571/mo
Today · 4.125%
HK$19,202
baseline
▲ 0.50% · 4.625%
HK$20,370
+HK$1,168/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$38,404/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,101
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$20,640
−HK$547/mo
Today · 4.125%
HK$21,187
baseline
▲ 0.50% · 4.625%
HK$22,304
+HK$1,117/mo
Deposit HK$3.96M · loan HK$3.96M · min. income ≈ HK$42,374/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,682
−HK$1,360/mo
▼ 0.25% · 3.875%
HK$22,357
−HK$685/mo
Today · 4.125%
HK$23,042
baseline
▲ 0.50% · 4.625%
HK$24,444
+HK$1,402/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$46,084/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,121
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$24,768
−HK$656/mo
Today · 4.125%
HK$25,424
baseline
▲ 0.50% · 4.625%
HK$26,765
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.75M · min. income ≈ HK$50,848/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,296
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,083
−HK$799/mo
Today · 4.125%
HK$26,882
baseline
▲ 0.50% · 4.625%
HK$28,518
+HK$1,636/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,764/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,141
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,896
−HK$766/mo
Today · 4.125%
HK$29,662
baseline
▲ 0.50% · 4.625%
HK$31,225
+HK$1,563/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,324/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$237,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,523
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,535
−HK$1,028/mo
Today · 4.125%
HK$34,563
baseline
▲ 0.50% · 4.625%
HK$36,666
+HK$2,103/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$69,126/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,182
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$37,152
−HK$985/mo
Today · 4.125%
HK$38,137
baseline
▲ 0.50% · 4.625%
HK$40,147
+HK$2,010/mo
Deposit HK$792K · loan HK$7.13M · min. income ≈ HK$76,274/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,717 · Scale 2, in force from 26 Feb 2026)