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$247,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,957
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,519
−HK$570/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$247,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,605
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,308
−HK$715/mo
Today · 4.125%
HK$24,023
baseline
▲ 0.50% · 4.625%
HK$25,484
+HK$1,461/mo
Deposit HK$3.30M · loan HK$4.96M · min. income ≈ HK$48,046/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,834 · 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$27,904
+HK$1,398/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$247,834 · 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$29,732
+HK$1,706/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$247,834 · 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$247,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,907
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,962
−HK$1,072/mo
Today · 4.125%
HK$36,034
baseline
▲ 0.50% · 4.625%
HK$38,226
+HK$2,192/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,068/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,722
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,733
−HK$1,027/mo
Today · 4.125%
HK$39,760
baseline
▲ 0.50% · 4.625%
HK$41,855
+HK$2,095/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,520/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,834 · Scale 2, in force from 26 Feb 2026)