LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,701
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,283
−HK$591/mo
Today · 4.125%
HK$19,874
baseline
▲ 0.50% · 4.625%
HK$21,083
+HK$1,209/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$39,748/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,805
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,363
−HK$566/mo
Today · 4.125%
HK$21,929
baseline
▲ 0.50% · 4.625%
HK$23,085
+HK$1,156/mo
Deposit HK$4.10M · loan HK$4.10M · min. income ≈ HK$43,858/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$246,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,441
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,139
−HK$709/mo
Today · 4.125%
HK$23,848
baseline
▲ 0.50% · 4.625%
HK$25,300
+HK$1,452/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$47,696/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,966
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,635
−HK$679/mo
Today · 4.125%
HK$26,314
baseline
▲ 0.50% · 4.625%
HK$27,701
+HK$1,387/mo
Deposit HK$3.28M · loan HK$4.92M · min. income ≈ HK$52,628/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$246,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,181
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,996
−HK$827/mo
Today · 4.125%
HK$27,823
baseline
▲ 0.50% · 4.625%
HK$29,516
+HK$1,693/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$55,646/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,126
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,908
−HK$792/mo
Today · 4.125%
HK$30,700
baseline
▲ 0.50% · 4.625%
HK$32,318
+HK$1,618/mo
Deposit HK$2.46M · loan HK$5.74M · min. income ≈ HK$61,400/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$246,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,662
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,709
−HK$1,064/mo
Today · 4.125%
HK$35,773
baseline
▲ 0.50% · 4.625%
HK$37,949
+HK$2,176/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$71,546/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,448
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,453
−HK$1,019/mo
Today · 4.125%
HK$39,472
baseline
▲ 0.50% · 4.625%
HK$41,552
+HK$2,080/mo
Deposit HK$820K · loan HK$7.38M · min. income ≈ HK$78,944/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$246,038 · Scale 2, in force from 26 Feb 2026)