LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,837
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,423
−HK$596/mo
Today · 4.125%
HK$20,019
baseline
▲ 0.50% · 4.625%
HK$21,237
+HK$1,218/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,038/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,956
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,518
−HK$571/mo
Today · 4.125%
HK$22,089
baseline
▲ 0.50% · 4.625%
HK$23,253
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,178/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,605
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$23,308
−HK$714/mo
Today · 4.125%
HK$24,022
baseline
▲ 0.50% · 4.625%
HK$25,484
+HK$1,462/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,044/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,148
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,822
−HK$684/mo
Today · 4.125%
HK$26,506
baseline
▲ 0.50% · 4.625%
HK$27,903
+HK$1,397/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$53,012/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,372
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,193
−HK$833/mo
Today · 4.125%
HK$28,026
baseline
▲ 0.50% · 4.625%
HK$29,731
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,052/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,339
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,126
−HK$798/mo
Today · 4.125%
HK$30,924
baseline
▲ 0.50% · 4.625%
HK$32,554
+HK$1,630/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,848/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,907
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,962
−HK$1,071/mo
Today · 4.125%
HK$36,033
baseline
▲ 0.50% · 4.625%
HK$38,226
+HK$2,193/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$72,066/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,721
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,733
−HK$1,026/mo
Today · 4.125%
HK$39,759
baseline
▲ 0.50% · 4.625%
HK$41,855
+HK$2,096/mo
Deposit HK$826K · loan HK$7.43M · min. income ≈ HK$79,518/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,832 · Scale 2, in force from 26 Feb 2026)