LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,799
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,383
−HK$594/mo
Today · 4.125%
HK$19,977
baseline
▲ 0.50% · 4.625%
HK$21,193
+HK$1,216/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$39,954/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,913
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,474
−HK$569/mo
Today · 4.125%
HK$22,043
baseline
▲ 0.50% · 4.625%
HK$23,205
+HK$1,162/mo
Deposit HK$4.12M · loan HK$4.12M · min. income ≈ HK$44,086/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$247,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,558
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$23,260
−HK$713/mo
Today · 4.125%
HK$23,973
baseline
▲ 0.50% · 4.625%
HK$25,432
+HK$1,459/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$47,946/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,096
−HK$1,356/mo
▼ 0.25% · 3.875%
HK$25,769
−HK$683/mo
Today · 4.125%
HK$26,452
baseline
▲ 0.50% · 4.625%
HK$27,846
+HK$1,394/mo
Deposit HK$3.30M · loan HK$4.95M · min. income ≈ HK$52,904/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$247,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,318
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,137
−HK$831/mo
Today · 4.125%
HK$27,968
baseline
▲ 0.50% · 4.625%
HK$29,670
+HK$1,702/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$55,936/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,279
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,064
−HK$796/mo
Today · 4.125%
HK$30,860
baseline
▲ 0.50% · 4.625%
HK$32,487
+HK$1,627/mo
Deposit HK$2.47M · loan HK$5.77M · min. income ≈ HK$61,720/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$247,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,838
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,890
−HK$1,069/mo
Today · 4.125%
HK$35,959
baseline
▲ 0.50% · 4.625%
HK$38,147
+HK$2,188/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$71,918/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,644
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,654
−HK$1,024/mo
Today · 4.125%
HK$39,678
baseline
▲ 0.50% · 4.625%
HK$41,769
+HK$2,091/mo
Deposit HK$824K · loan HK$7.42M · min. income ≈ HK$79,356/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,323 · Scale 2, in force from 26 Feb 2026)