LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,612
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,191
−HK$588/mo
Today · 4.125%
HK$19,779
baseline
▲ 0.50% · 4.625%
HK$20,982
+HK$1,203/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$39,558/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,705
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,261
−HK$563/mo
Today · 4.125%
HK$21,824
baseline
▲ 0.50% · 4.625%
HK$22,974
+HK$1,150/mo
Deposit HK$4.08M · loan HK$4.08M · min. income ≈ HK$43,648/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$244,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,334
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,029
−HK$705/mo
Today · 4.125%
HK$23,734
baseline
▲ 0.50% · 4.625%
HK$25,179
+HK$1,445/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$47,468/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,846
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$25,513
−HK$676/mo
Today · 4.125%
HK$26,189
baseline
▲ 0.50% · 4.625%
HK$27,569
+HK$1,380/mo
Deposit HK$3.26M · loan HK$4.90M · min. income ≈ HK$52,378/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$244,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,056
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,867
−HK$823/mo
Today · 4.125%
HK$27,690
baseline
▲ 0.50% · 4.625%
HK$29,375
+HK$1,685/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$55,380/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,987
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$29,765
−HK$788/mo
Today · 4.125%
HK$30,553
baseline
▲ 0.50% · 4.625%
HK$32,164
+HK$1,611/mo
Deposit HK$2.45M · loan HK$5.71M · min. income ≈ HK$61,106/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$244,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,501
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,543
−HK$1,059/mo
Today · 4.125%
HK$35,602
baseline
▲ 0.50% · 4.625%
HK$37,768
+HK$2,166/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$71,204/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,269
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,269
−HK$1,014/mo
Today · 4.125%
HK$39,283
baseline
▲ 0.50% · 4.625%
HK$41,354
+HK$2,071/mo
Deposit HK$816K · loan HK$7.35M · min. income ≈ HK$78,566/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,862 · Scale 2, in force from 26 Feb 2026)