LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,140
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$18,704
−HK$573/mo
Today · 4.125%
HK$19,277
baseline
▲ 0.50% · 4.625%
HK$20,450
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,554/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,180
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$20,722
−HK$549/mo
Today · 4.125%
HK$21,271
baseline
▲ 0.50% · 4.625%
HK$22,392
+HK$1,121/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,542/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,768
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$22,445
−HK$688/mo
Today · 4.125%
HK$23,133
baseline
▲ 0.50% · 4.625%
HK$24,540
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,266/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,216
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,866
−HK$659/mo
Today · 4.125%
HK$25,525
baseline
▲ 0.50% · 4.625%
HK$26,870
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,050/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,396
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,186
−HK$802/mo
Today · 4.125%
HK$26,988
baseline
▲ 0.50% · 4.625%
HK$28,630
+HK$1,642/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,976/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,252
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,010
−HK$769/mo
Today · 4.125%
HK$29,779
baseline
▲ 0.50% · 4.625%
HK$31,349
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,558/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,652
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,667
−HK$1,032/mo
Today · 4.125%
HK$34,699
baseline
▲ 0.50% · 4.625%
HK$36,810
+HK$2,111/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,398/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,325
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,299
−HK$988/mo
Today · 4.125%
HK$38,287
baseline
▲ 0.50% · 4.625%
HK$40,305
+HK$2,018/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,574/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,655 · Scale 2, in force from 26 Feb 2026)