LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,266
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,835
−HK$577/mo
Today · 4.125%
HK$19,412
baseline
▲ 0.50% · 4.625%
HK$20,593
+HK$1,181/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$38,824/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,321
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,866
−HK$553/mo
Today · 4.125%
HK$21,419
baseline
▲ 0.50% · 4.625%
HK$22,548
+HK$1,129/mo
Deposit HK$4.01M · loan HK$4.01M · min. income ≈ HK$42,838/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$240,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,920
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,602
−HK$692/mo
Today · 4.125%
HK$23,294
baseline
▲ 0.50% · 4.625%
HK$24,712
+HK$1,418/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$46,588/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,385
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,039
−HK$664/mo
Today · 4.125%
HK$25,703
baseline
▲ 0.50% · 4.625%
HK$27,058
+HK$1,355/mo
Deposit HK$3.20M · loan HK$4.81M · min. income ≈ HK$51,406/mo (50% DSR)
Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$240,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,573
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,368
−HK$809/mo
Today · 4.125%
HK$27,177
baseline
▲ 0.50% · 4.625%
HK$28,830
+HK$1,653/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$54,354/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,450
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,213
−HK$774/mo
Today · 4.125%
HK$29,987
baseline
▲ 0.50% · 4.625%
HK$31,567
+HK$1,580/mo
Deposit HK$2.40M · loan HK$5.61M · min. income ≈ HK$59,974/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$240,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,880
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,902
−HK$1,039/mo
Today · 4.125%
HK$34,941
baseline
▲ 0.50% · 4.625%
HK$37,068
+HK$2,127/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$69,882/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,578
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,559
−HK$995/mo
Today · 4.125%
HK$38,554
baseline
▲ 0.50% · 4.625%
HK$40,587
+HK$2,033/mo
Deposit HK$801K · loan HK$7.21M · min. income ≈ HK$77,108/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$240,321 · Scale 2, in force from 26 Feb 2026)