LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,842
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,428
−HK$595/mo
Today · 4.125%
HK$20,023
baseline
▲ 0.50% · 4.625%
HK$21,242
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,046/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,961
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,523
−HK$571/mo
Today · 4.125%
HK$22,094
baseline
▲ 0.50% · 4.625%
HK$23,258
+HK$1,164/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,188/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,610
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$23,313
−HK$715/mo
Today · 4.125%
HK$24,028
baseline
▲ 0.50% · 4.625%
HK$25,490
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,056/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,154
−HK$1,358/mo
▼ 0.25% · 3.875%
HK$25,828
−HK$684/mo
Today · 4.125%
HK$26,512
baseline
▲ 0.50% · 4.625%
HK$27,910
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,024/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,378
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,199
−HK$834/mo
Today · 4.125%
HK$28,033
baseline
▲ 0.50% · 4.625%
HK$29,738
+HK$1,705/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$56,066/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,346
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,133
−HK$798/mo
Today · 4.125%
HK$30,931
baseline
▲ 0.50% · 4.625%
HK$32,562
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.78M · min. income ≈ HK$61,862/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,915
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,970
−HK$1,072/mo
Today · 4.125%
HK$36,042
baseline
▲ 0.50% · 4.625%
HK$38,235
+HK$2,193/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$72,084/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,730
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,742
−HK$1,027/mo
Today · 4.125%
HK$39,769
baseline
▲ 0.50% · 4.625%
HK$41,865
+HK$2,096/mo
Deposit HK$826K · loan HK$7.44M · min. income ≈ HK$79,538/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,891 · Scale 2, in force from 26 Feb 2026)