LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,496
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,071
−HK$585/mo
Today · 4.125%
HK$19,656
baseline
▲ 0.50% · 4.625%
HK$20,852
+HK$1,196/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,312/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,576
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$21,128
−HK$560/mo
Today · 4.125%
HK$21,688
baseline
▲ 0.50% · 4.625%
HK$22,831
+HK$1,143/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,376/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,195
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,885
−HK$702/mo
Today · 4.125%
HK$23,587
baseline
▲ 0.50% · 4.625%
HK$25,022
+HK$1,435/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$47,174/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,692
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,354
−HK$672/mo
Today · 4.125%
HK$26,026
baseline
▲ 0.50% · 4.625%
HK$27,398
+HK$1,372/mo
Deposit HK$3.24M · loan HK$4.87M · min. income ≈ HK$52,052/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,894
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,700
−HK$818/mo
Today · 4.125%
HK$27,518
baseline
▲ 0.50% · 4.625%
HK$29,192
+HK$1,674/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$55,036/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,807
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,580
−HK$783/mo
Today · 4.125%
HK$30,363
baseline
▲ 0.50% · 4.625%
HK$31,964
+HK$1,601/mo
Deposit HK$2.43M · loan HK$5.68M · min. income ≈ HK$60,726/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,292
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,328
−HK$1,052/mo
Today · 4.125%
HK$35,380
baseline
▲ 0.50% · 4.625%
HK$37,533
+HK$2,153/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$70,760/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,037
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,031
−HK$1,007/mo
Today · 4.125%
HK$39,038
baseline
▲ 0.50% · 4.625%
HK$41,096
+HK$2,058/mo
Deposit HK$811K · loan HK$7.30M · min. income ≈ HK$78,076/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$243,339 · Scale 2, in force from 26 Feb 2026)