LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,486
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$19,061
−HK$584/mo
Today · 4.125%
HK$19,645
baseline
▲ 0.50% · 4.625%
HK$20,841
+HK$1,196/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$39,290/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,566
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$21,117
−HK$560/mo
Today · 4.125%
HK$21,677
baseline
▲ 0.50% · 4.625%
HK$22,819
+HK$1,142/mo
Deposit HK$4.05M · loan HK$4.05M · min. income ≈ HK$43,354/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,183
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,874
−HK$701/mo
Today · 4.125%
HK$23,575
baseline
▲ 0.50% · 4.625%
HK$25,009
+HK$1,434/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$47,150/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,679
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,341
−HK$671/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,383
+HK$1,371/mo
Deposit HK$3.24M · loan HK$4.86M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,881
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,686
−HK$818/mo
Today · 4.125%
HK$27,504
baseline
▲ 0.50% · 4.625%
HK$29,177
+HK$1,673/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$55,008/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,792
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,564
−HK$784/mo
Today · 4.125%
HK$30,348
baseline
▲ 0.50% · 4.625%
HK$31,947
+HK$1,599/mo
Deposit HK$2.43M · loan HK$5.67M · min. income ≈ HK$60,696/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,275
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,310
−HK$1,052/mo
Today · 4.125%
HK$35,362
baseline
▲ 0.50% · 4.625%
HK$37,514
+HK$2,152/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,724/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,018
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,011
−HK$1,007/mo
Today · 4.125%
HK$39,018
baseline
▲ 0.50% · 4.625%
HK$41,075
+HK$2,057/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,036/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,213 · Scale 2, in force from 26 Feb 2026)