LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,084
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$18,646
−HK$572/mo
Today · 4.125%
HK$19,218
baseline
▲ 0.50% · 4.625%
HK$20,387
+HK$1,169/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,436/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,118
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$20,657
−HK$548/mo
Today · 4.125%
HK$21,205
baseline
▲ 0.50% · 4.625%
HK$22,322
+HK$1,117/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,410/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$237,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,700
−HK$1,361/mo
▼ 0.25% · 3.875%
HK$22,375
−HK$686/mo
Today · 4.125%
HK$23,061
baseline
▲ 0.50% · 4.625%
HK$24,464
+HK$1,403/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$46,122/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,141
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,789
−HK$657/mo
Today · 4.125%
HK$25,446
baseline
▲ 0.50% · 4.625%
HK$26,787
+HK$1,341/mo
Deposit HK$3.17M · loan HK$4.76M · min. income ≈ HK$50,892/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$237,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,317
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,105
−HK$800/mo
Today · 4.125%
HK$26,905
baseline
▲ 0.50% · 4.625%
HK$28,542
+HK$1,637/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$53,810/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,165
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,920
−HK$767/mo
Today · 4.125%
HK$29,687
baseline
▲ 0.50% · 4.625%
HK$31,251
+HK$1,564/mo
Deposit HK$2.38M · loan HK$5.55M · min. income ≈ HK$59,374/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$237,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,550
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,563
−HK$1,029/mo
Today · 4.125%
HK$34,592
baseline
▲ 0.50% · 4.625%
HK$36,697
+HK$2,105/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$69,184/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,212
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,183
−HK$986/mo
Today · 4.125%
HK$38,169
baseline
▲ 0.50% · 4.625%
HK$40,180
+HK$2,011/mo
Deposit HK$793K · loan HK$7.14M · min. income ≈ HK$76,338/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$237,916 · Scale 2, in force from 26 Feb 2026)