LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,637
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,217
−HK$589/mo
Today · 4.125%
HK$19,806
baseline
▲ 0.50% · 4.625%
HK$21,011
+HK$1,205/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,612/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,733
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,289
−HK$565/mo
Today · 4.125%
HK$21,854
baseline
▲ 0.50% · 4.625%
HK$23,006
+HK$1,152/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,708/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$245,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,364
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,060
−HK$707/mo
Today · 4.125%
HK$23,767
baseline
▲ 0.50% · 4.625%
HK$25,213
+HK$1,446/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$47,534/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,880
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,547
−HK$677/mo
Today · 4.125%
HK$26,224
baseline
▲ 0.50% · 4.625%
HK$27,607
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.90M · min. income ≈ HK$52,448/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$245,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,092
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,903
−HK$825/mo
Today · 4.125%
HK$27,728
baseline
▲ 0.50% · 4.625%
HK$29,415
+HK$1,687/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$55,456/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,027
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,805
−HK$790/mo
Today · 4.125%
HK$30,595
baseline
▲ 0.50% · 4.625%
HK$32,208
+HK$1,613/mo
Deposit HK$2.45M · loan HK$5.72M · min. income ≈ HK$61,190/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,547
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,590
−HK$1,060/mo
Today · 4.125%
HK$35,650
baseline
▲ 0.50% · 4.625%
HK$37,819
+HK$2,169/mo
Deposit HK$817K · loan HK$7.36M · min. income ≈ HK$71,300/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,320
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,321
−HK$1,015/mo
Today · 4.125%
HK$39,336
baseline
▲ 0.50% · 4.625%
HK$41,410
+HK$2,074/mo
Deposit HK$817K · loan HK$7.36M · min. income ≈ HK$78,672/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,196 · Scale 2, in force from 26 Feb 2026)