LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,673
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,254
−HK$590/mo
Today · 4.125%
HK$19,844
baseline
▲ 0.50% · 4.625%
HK$21,051
+HK$1,207/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$39,688/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,773
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,331
−HK$565/mo
Today · 4.125%
HK$21,896
baseline
▲ 0.50% · 4.625%
HK$23,050
+HK$1,154/mo
Deposit HK$4.09M · loan HK$4.09M · min. income ≈ HK$43,792/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$245,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,407
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,104
−HK$709/mo
Today · 4.125%
HK$23,813
baseline
▲ 0.50% · 4.625%
HK$25,262
+HK$1,449/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$47,626/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,928
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,597
−HK$678/mo
Today · 4.125%
HK$26,275
baseline
▲ 0.50% · 4.625%
HK$27,660
+HK$1,385/mo
Deposit HK$3.28M · loan HK$4.91M · min. income ≈ HK$52,550/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$245,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,142
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,955
−HK$826/mo
Today · 4.125%
HK$27,781
baseline
▲ 0.50% · 4.625%
HK$29,472
+HK$1,691/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$55,562/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,083
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,863
−HK$791/mo
Today · 4.125%
HK$30,654
baseline
▲ 0.50% · 4.625%
HK$32,270
+HK$1,616/mo
Deposit HK$2.46M · loan HK$5.73M · min. income ≈ HK$61,308/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$245,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,611
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,657
−HK$1,062/mo
Today · 4.125%
HK$35,719
baseline
▲ 0.50% · 4.625%
HK$37,892
+HK$2,173/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$71,438/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,392
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,395
−HK$1,017/mo
Today · 4.125%
HK$39,412
baseline
▲ 0.50% · 4.625%
HK$41,490
+HK$2,078/mo
Deposit HK$819K · loan HK$7.37M · min. income ≈ HK$78,824/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$245,669 · Scale 2, in force from 26 Feb 2026)