LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,191
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,757
−HK$575/mo
Today · 4.125%
HK$19,332
baseline
▲ 0.50% · 4.625%
HK$20,508
+HK$1,176/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,664/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,238
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$20,780
−HK$551/mo
Today · 4.125%
HK$21,331
baseline
▲ 0.50% · 4.625%
HK$22,455
+HK$1,124/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,662/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,830
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$22,509
−HK$689/mo
Today · 4.125%
HK$23,198
baseline
▲ 0.50% · 4.625%
HK$24,610
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,396/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,285
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$24,936
−HK$661/mo
Today · 4.125%
HK$25,597
baseline
▲ 0.50% · 4.625%
HK$26,946
+HK$1,349/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,194/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,468
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,260
−HK$805/mo
Today · 4.125%
HK$27,065
baseline
▲ 0.50% · 4.625%
HK$28,712
+HK$1,647/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$54,130/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,333
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,093
−HK$770/mo
Today · 4.125%
HK$29,863
baseline
▲ 0.50% · 4.625%
HK$31,438
+HK$1,575/mo
Deposit HK$2.39M · loan HK$5.58M · min. income ≈ HK$59,726/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,744
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,763
−HK$1,035/mo
Today · 4.125%
HK$34,798
baseline
▲ 0.50% · 4.625%
HK$36,915
+HK$2,117/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,596/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,428
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,405
−HK$991/mo
Today · 4.125%
HK$38,396
baseline
▲ 0.50% · 4.625%
HK$40,420
+HK$2,024/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,792/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,333 · Scale 2, in force from 26 Feb 2026)