LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,516
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,092
−HK$586/mo
Today · 4.125%
HK$19,678
baseline
▲ 0.50% · 4.625%
HK$20,875
+HK$1,197/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,356/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,599
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,152
−HK$560/mo
Today · 4.125%
HK$21,712
baseline
▲ 0.50% · 4.625%
HK$22,857
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,424/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$243,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,220
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,911
−HK$702/mo
Today · 4.125%
HK$23,613
baseline
▲ 0.50% · 4.625%
HK$25,050
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$47,226/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,719
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,382
−HK$673/mo
Today · 4.125%
HK$26,055
baseline
▲ 0.50% · 4.625%
HK$27,428
+HK$1,373/mo
Deposit HK$3.25M · loan HK$4.87M · min. income ≈ HK$52,110/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,923
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,729
−HK$820/mo
Today · 4.125%
HK$27,549
baseline
▲ 0.50% · 4.625%
HK$29,225
+HK$1,676/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$55,098/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,839
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,613
−HK$784/mo
Today · 4.125%
HK$30,397
baseline
▲ 0.50% · 4.625%
HK$31,999
+HK$1,602/mo
Deposit HK$2.44M · loan HK$5.68M · min. income ≈ HK$60,794/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,330
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,366
−HK$1,054/mo
Today · 4.125%
HK$35,420
baseline
▲ 0.50% · 4.625%
HK$37,575
+HK$2,155/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$70,840/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,079
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,073
−HK$1,009/mo
Today · 4.125%
HK$39,082
baseline
▲ 0.50% · 4.625%
HK$41,142
+HK$2,060/mo
Deposit HK$812K · loan HK$7.31M · min. income ≈ HK$78,164/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,610 · Scale 2, in force from 26 Feb 2026)