LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,172
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$18,737
−HK$575/mo
Today · 4.125%
HK$19,312
baseline
▲ 0.50% · 4.625%
HK$20,487
+HK$1,175/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$38,624/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,216
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$20,758
−HK$550/mo
Today · 4.125%
HK$21,308
baseline
▲ 0.50% · 4.625%
HK$22,432
+HK$1,124/mo
Deposit HK$3.98M · loan HK$3.98M · min. income ≈ HK$42,616/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$239,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,806
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,485
−HK$689/mo
Today · 4.125%
HK$23,174
baseline
▲ 0.50% · 4.625%
HK$24,584
+HK$1,410/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$46,348/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,259
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$24,910
−HK$660/mo
Today · 4.125%
HK$25,570
baseline
▲ 0.50% · 4.625%
HK$26,918
+HK$1,348/mo
Deposit HK$3.19M · loan HK$4.78M · min. income ≈ HK$51,140/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,441
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$26,232
−HK$804/mo
Today · 4.125%
HK$27,036
baseline
▲ 0.50% · 4.625%
HK$28,681
+HK$1,645/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,072/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,303
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$29,062
−HK$770/mo
Today · 4.125%
HK$29,832
baseline
▲ 0.50% · 4.625%
HK$31,404
+HK$1,572/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,664/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,710
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,727
−HK$1,034/mo
Today · 4.125%
HK$34,761
baseline
▲ 0.50% · 4.625%
HK$36,876
+HK$2,115/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$69,522/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,389
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,365
−HK$990/mo
Today · 4.125%
HK$38,355
baseline
▲ 0.50% · 4.625%
HK$40,377
+HK$2,022/mo
Deposit HK$797K · loan HK$7.17M · min. income ≈ HK$76,710/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,079 · Scale 2, in force from 26 Feb 2026)