LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,203
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,769
−HK$575/mo
Today · 4.125%
HK$19,344
baseline
▲ 0.50% · 4.625%
HK$20,521
+HK$1,177/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$38,688/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,250
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,793
−HK$551/mo
Today · 4.125%
HK$21,344
baseline
▲ 0.50% · 4.625%
HK$22,469
+HK$1,125/mo
Deposit HK$3.99M · loan HK$3.99M · min. income ≈ HK$42,688/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$239,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,843
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$22,523
−HK$690/mo
Today · 4.125%
HK$23,213
baseline
▲ 0.50% · 4.625%
HK$24,625
+HK$1,412/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$46,426/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,300
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$24,952
−HK$661/mo
Today · 4.125%
HK$25,613
baseline
▲ 0.50% · 4.625%
HK$26,963
+HK$1,350/mo
Deposit HK$3.19M · loan HK$4.79M · min. income ≈ HK$51,226/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$239,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,484
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,276
−HK$806/mo
Today · 4.125%
HK$27,082
baseline
▲ 0.50% · 4.625%
HK$28,730
+HK$1,648/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$54,164/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,350
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,111
−HK$771/mo
Today · 4.125%
HK$29,882
baseline
▲ 0.50% · 4.625%
HK$31,457
+HK$1,575/mo
Deposit HK$2.39M · loan HK$5.59M · min. income ≈ HK$59,764/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$239,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,765
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,784
−HK$1,035/mo
Today · 4.125%
HK$34,819
baseline
▲ 0.50% · 4.625%
HK$36,938
+HK$2,119/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$69,638/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,450
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,428
−HK$992/mo
Today · 4.125%
HK$38,420
baseline
▲ 0.50% · 4.625%
HK$40,445
+HK$2,025/mo
Deposit HK$798K · loan HK$7.18M · min. income ≈ HK$76,840/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$239,481 · Scale 2, in force from 26 Feb 2026)