LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,105
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$18,669
−HK$572/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,412
+HK$1,171/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$38,482/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,142
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$20,682
−HK$548/mo
Today · 4.125%
HK$21,230
baseline
▲ 0.50% · 4.625%
HK$22,349
+HK$1,119/mo
Deposit HK$3.97M · loan HK$3.97M · min. income ≈ HK$42,460/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$238,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,727
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,402
−HK$687/mo
Today · 4.125%
HK$23,089
baseline
▲ 0.50% · 4.625%
HK$24,494
+HK$1,405/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$46,178/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,171
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,819
−HK$657/mo
Today · 4.125%
HK$25,476
baseline
▲ 0.50% · 4.625%
HK$26,819
+HK$1,343/mo
Deposit HK$3.18M · loan HK$4.76M · min. income ≈ HK$50,952/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$238,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,348
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,136
−HK$801/mo
Today · 4.125%
HK$26,937
baseline
▲ 0.50% · 4.625%
HK$28,576
+HK$1,639/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$53,874/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,199
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,955
−HK$768/mo
Today · 4.125%
HK$29,723
baseline
▲ 0.50% · 4.625%
HK$31,289
+HK$1,566/mo
Deposit HK$2.38M · loan HK$5.56M · min. income ≈ HK$59,446/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$238,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,590
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$33,604
−HK$1,029/mo
Today · 4.125%
HK$34,633
baseline
▲ 0.50% · 4.625%
HK$36,741
+HK$2,108/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$69,266/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,256
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,228
−HK$987/mo
Today · 4.125%
HK$38,215
baseline
▲ 0.50% · 4.625%
HK$40,229
+HK$2,014/mo
Deposit HK$794K · loan HK$7.15M · min. income ≈ HK$76,430/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,203 · Scale 2, in force from 26 Feb 2026)