LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,141
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$18,705
−HK$574/mo
Today · 4.125%
HK$19,279
baseline
▲ 0.50% · 4.625%
HK$20,452
+HK$1,173/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,558/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,182
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$20,723
−HK$549/mo
Today · 4.125%
HK$21,272
baseline
▲ 0.50% · 4.625%
HK$22,394
+HK$1,122/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,544/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$238,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,769
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$22,447
−HK$688/mo
Today · 4.125%
HK$23,135
baseline
▲ 0.50% · 4.625%
HK$24,542
+HK$1,407/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$46,270/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,218
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$24,868
−HK$659/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$26,872
+HK$1,345/mo
Deposit HK$3.18M · loan HK$4.77M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$3.42M (deposit + AVD stamp duty HK$238,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,398
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,188
−HK$802/mo
Today · 4.125%
HK$26,990
baseline
▲ 0.50% · 4.625%
HK$28,633
+HK$1,643/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$53,980/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,255
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,012
−HK$769/mo
Today · 4.125%
HK$29,781
baseline
▲ 0.50% · 4.625%
HK$31,351
+HK$1,570/mo
Deposit HK$2.39M · loan HK$5.57M · min. income ≈ HK$59,562/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$238,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,654
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$33,670
−HK$1,032/mo
Today · 4.125%
HK$34,702
baseline
▲ 0.50% · 4.625%
HK$36,813
+HK$2,111/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$69,404/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,327
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$37,302
−HK$988/mo
Today · 4.125%
HK$38,290
baseline
▲ 0.50% · 4.625%
HK$40,308
+HK$2,018/mo
Deposit HK$796K · loan HK$7.16M · min. income ≈ HK$76,580/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$238,673 · Scale 2, in force from 26 Feb 2026)