LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,440
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$19,014
−HK$583/mo
Today · 4.125%
HK$19,597
baseline
▲ 0.50% · 4.625%
HK$20,789
+HK$1,192/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$39,194/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,515
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,065
−HK$558/mo
Today · 4.125%
HK$21,623
baseline
▲ 0.50% · 4.625%
HK$22,763
+HK$1,140/mo
Deposit HK$4.04M · loan HK$4.04M · min. income ≈ HK$43,246/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$242,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,128
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,817
−HK$699/mo
Today · 4.125%
HK$23,516
baseline
▲ 0.50% · 4.625%
HK$24,947
+HK$1,431/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$47,032/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,618
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,278
−HK$670/mo
Today · 4.125%
HK$25,948
baseline
▲ 0.50% · 4.625%
HK$27,315
+HK$1,367/mo
Deposit HK$3.23M · loan HK$4.85M · min. income ≈ HK$51,896/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$242,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,817
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,620
−HK$815/mo
Today · 4.125%
HK$27,435
baseline
▲ 0.50% · 4.625%
HK$29,105
+HK$1,670/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$54,870/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,721
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$29,491
−HK$781/mo
Today · 4.125%
HK$30,272
baseline
▲ 0.50% · 4.625%
HK$31,868
+HK$1,596/mo
Deposit HK$2.43M · loan HK$5.66M · min. income ≈ HK$60,544/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$242,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,193
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,225
−HK$1,049/mo
Today · 4.125%
HK$35,274
baseline
▲ 0.50% · 4.625%
HK$37,421
+HK$2,147/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,548/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,927
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,917
−HK$1,005/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$40,973
+HK$2,051/mo
Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,610 · Scale 2, in force from 26 Feb 2026)