LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,569
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,147
−HK$586/mo
Today · 4.125%
HK$19,733
baseline
▲ 0.50% · 4.625%
HK$20,934
+HK$1,201/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$39,466/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,658
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,212
−HK$562/mo
Today · 4.125%
HK$21,774
baseline
▲ 0.50% · 4.625%
HK$22,922
+HK$1,148/mo
Deposit HK$4.07M · loan HK$4.07M · min. income ≈ HK$43,548/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$244,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,283
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,976
−HK$704/mo
Today · 4.125%
HK$23,680
baseline
▲ 0.50% · 4.625%
HK$25,121
+HK$1,441/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$47,360/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,789
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,454
−HK$675/mo
Today · 4.125%
HK$26,129
baseline
▲ 0.50% · 4.625%
HK$27,506
+HK$1,377/mo
Deposit HK$3.26M · loan HK$4.89M · min. income ≈ HK$52,258/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$244,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,997
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,805
−HK$822/mo
Today · 4.125%
HK$27,627
baseline
▲ 0.50% · 4.625%
HK$29,308
+HK$1,681/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$55,254/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,921
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$29,697
−HK$786/mo
Today · 4.125%
HK$30,483
baseline
▲ 0.50% · 4.625%
HK$32,090
+HK$1,607/mo
Deposit HK$2.44M · loan HK$5.70M · min. income ≈ HK$60,966/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,424
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,464
−HK$1,056/mo
Today · 4.125%
HK$35,520
baseline
▲ 0.50% · 4.625%
HK$37,681
+HK$2,161/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,040/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,184
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,181
−HK$1,012/mo
Today · 4.125%
HK$39,193
baseline
▲ 0.50% · 4.625%
HK$41,259
+HK$2,066/mo
Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$78,386/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,302 · Scale 2, in force from 26 Feb 2026)