LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,422
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,995
−HK$582/mo
Today · 4.125%
HK$19,577
baseline
▲ 0.50% · 4.625%
HK$20,768
+HK$1,191/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,154/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,494
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,044
−HK$557/mo
Today · 4.125%
HK$21,601
baseline
▲ 0.50% · 4.625%
HK$22,740
+HK$1,139/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,202/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$242,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,106
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,794
−HK$698/mo
Today · 4.125%
HK$23,492
baseline
▲ 0.50% · 4.625%
HK$24,922
+HK$1,430/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$46,984/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,593
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,252
−HK$669/mo
Today · 4.125%
HK$25,921
baseline
▲ 0.50% · 4.625%
HK$27,288
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,842/mo (50% DSR)
Upfront cash ≈ HK$3.47M (deposit + AVD stamp duty HK$242,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,790
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,593
−HK$815/mo
Today · 4.125%
HK$27,408
baseline
▲ 0.50% · 4.625%
HK$29,075
+HK$1,667/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$54,816/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,692
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,461
−HK$781/mo
Today · 4.125%
HK$30,242
baseline
▲ 0.50% · 4.625%
HK$31,836
+HK$1,594/mo
Deposit HK$2.42M · loan HK$5.66M · min. income ≈ HK$60,484/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,159
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,191
−HK$1,047/mo
Today · 4.125%
HK$35,238
baseline
▲ 0.50% · 4.625%
HK$37,383
+HK$2,145/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$70,476/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,889
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,878
−HK$1,004/mo
Today · 4.125%
HK$38,882
baseline
▲ 0.50% · 4.625%
HK$40,932
+HK$2,050/mo
Deposit HK$808K · loan HK$7.27M · min. income ≈ HK$77,764/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,364 · Scale 2, in force from 26 Feb 2026)