LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,527
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,104
−HK$585/mo
Today · 4.125%
HK$19,689
baseline
▲ 0.50% · 4.625%
HK$20,887
+HK$1,198/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$39,378/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,611
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,164
−HK$561/mo
Today · 4.125%
HK$21,725
baseline
▲ 0.50% · 4.625%
HK$22,870
+HK$1,145/mo
Deposit HK$4.06M · loan HK$4.06M · min. income ≈ HK$43,450/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$243,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,233
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,924
−HK$703/mo
Today · 4.125%
HK$23,627
baseline
▲ 0.50% · 4.625%
HK$25,064
+HK$1,437/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$47,254/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,734
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,397
−HK$673/mo
Today · 4.125%
HK$26,070
baseline
▲ 0.50% · 4.625%
HK$27,444
+HK$1,374/mo
Deposit HK$3.25M · loan HK$4.88M · min. income ≈ HK$52,140/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$243,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,938
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$820/mo
Today · 4.125%
HK$27,565
baseline
▲ 0.50% · 4.625%
HK$29,242
+HK$1,677/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$55,130/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,856
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,630
−HK$785/mo
Today · 4.125%
HK$30,415
baseline
▲ 0.50% · 4.625%
HK$32,018
+HK$1,603/mo
Deposit HK$2.44M · loan HK$5.69M · min. income ≈ HK$60,830/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$243,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,349
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,386
−HK$1,054/mo
Today · 4.125%
HK$35,440
baseline
▲ 0.50% · 4.625%
HK$37,597
+HK$2,157/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$70,880/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,100
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,095
−HK$1,010/mo
Today · 4.125%
HK$39,105
baseline
▲ 0.50% · 4.625%
HK$41,166
+HK$2,061/mo
Deposit HK$813K · loan HK$7.31M · min. income ≈ HK$78,210/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$243,752 · Scale 2, in force from 26 Feb 2026)