LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,318
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,888
−HK$579/mo
Today · 4.125%
HK$19,467
baseline
▲ 0.50% · 4.625%
HK$20,652
+HK$1,185/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$38,934/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,379
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,925
−HK$555/mo
Today · 4.125%
HK$21,480
baseline
▲ 0.50% · 4.625%
HK$22,612
+HK$1,132/mo
Deposit HK$4.02M · loan HK$4.02M · min. income ≈ HK$42,960/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$241,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,982
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,666
−HK$694/mo
Today · 4.125%
HK$23,360
baseline
▲ 0.50% · 4.625%
HK$24,782
+HK$1,422/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$46,720/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$241,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,455
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,111
−HK$665/mo
Today · 4.125%
HK$25,776
baseline
▲ 0.50% · 4.625%
HK$27,135
+HK$1,359/mo
Deposit HK$3.21M · loan HK$4.82M · min. income ≈ HK$51,552/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$241,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,646
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$811/mo
Today · 4.125%
HK$27,254
baseline
▲ 0.50% · 4.625%
HK$28,912
+HK$1,658/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$54,508/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,530
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,296
−HK$776/mo
Today · 4.125%
HK$30,072
baseline
▲ 0.50% · 4.625%
HK$31,657
+HK$1,585/mo
Deposit HK$2.41M · loan HK$5.62M · min. income ≈ HK$60,144/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$241,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,973
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,999
−HK$1,042/mo
Today · 4.125%
HK$35,041
baseline
▲ 0.50% · 4.625%
HK$37,173
+HK$2,132/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$70,082/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,682
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,666
−HK$998/mo
Today · 4.125%
HK$38,664
baseline
▲ 0.50% · 4.625%
HK$40,702
+HK$2,038/mo
Deposit HK$803K · loan HK$7.23M · min. income ≈ HK$77,328/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$241,003 · Scale 2, in force from 26 Feb 2026)