LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,656
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,237
−HK$589/mo
Today · 4.125%
HK$19,826
baseline
▲ 0.50% · 4.625%
HK$21,033
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,652/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,755
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,312
−HK$564/mo
Today · 4.125%
HK$21,876
baseline
▲ 0.50% · 4.625%
HK$23,030
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,752/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,388
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,084
−HK$708/mo
Today · 4.125%
HK$23,792
baseline
▲ 0.50% · 4.625%
HK$25,239
+HK$1,447/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$47,584/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,906
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,574
−HK$678/mo
Today · 4.125%
HK$26,252
baseline
▲ 0.50% · 4.625%
HK$27,635
+HK$1,383/mo
Deposit HK$3.27M · loan HK$4.91M · min. income ≈ HK$52,504/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,119
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,931
−HK$826/mo
Today · 4.125%
HK$27,757
baseline
▲ 0.50% · 4.625%
HK$29,446
+HK$1,689/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$55,514/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,057
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,836
−HK$791/mo
Today · 4.125%
HK$30,627
baseline
▲ 0.50% · 4.625%
HK$32,241
+HK$1,614/mo
Deposit HK$2.45M · loan HK$5.73M · min. income ≈ HK$61,254/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,582
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,626
−HK$1,061/mo
Today · 4.125%
HK$35,687
baseline
▲ 0.50% · 4.625%
HK$37,859
+HK$2,172/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$71,374/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,359
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,361
−HK$1,017/mo
Today · 4.125%
HK$39,378
baseline
▲ 0.50% · 4.625%
HK$41,453
+HK$2,075/mo
Deposit HK$818K · loan HK$7.36M · min. income ≈ HK$78,756/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,452 · Scale 2, in force from 26 Feb 2026)