LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,849
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,436
−HK$595/mo
Today · 4.125%
HK$20,031
baseline
▲ 0.50% · 4.625%
HK$21,250
+HK$1,219/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$40,062/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,970
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,532
−HK$571/mo
Today · 4.125%
HK$22,103
baseline
▲ 0.50% · 4.625%
HK$23,268
+HK$1,165/mo
Deposit HK$4.13M · loan HK$4.13M · min. income ≈ HK$44,206/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$247,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,619
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$23,323
−HK$715/mo
Today · 4.125%
HK$24,038
baseline
▲ 0.50% · 4.625%
HK$25,500
+HK$1,462/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$48,076/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,164
−HK$1,359/mo
▼ 0.25% · 3.875%
HK$25,839
−HK$684/mo
Today · 4.125%
HK$26,523
baseline
▲ 0.50% · 4.625%
HK$27,921
+HK$1,398/mo
Deposit HK$3.31M · loan HK$4.96M · min. income ≈ HK$53,046/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$247,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,389
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,210
−HK$834/mo
Today · 4.125%
HK$28,044
baseline
▲ 0.50% · 4.625%
HK$29,750
+HK$1,706/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$56,088/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,358
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,145
−HK$799/mo
Today · 4.125%
HK$30,944
baseline
▲ 0.50% · 4.625%
HK$32,575
+HK$1,631/mo
Deposit HK$2.48M · loan HK$5.79M · min. income ≈ HK$61,888/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$247,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,929
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,984
−HK$1,072/mo
Today · 4.125%
HK$36,056
baseline
▲ 0.50% · 4.625%
HK$38,250
+HK$2,194/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$72,112/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,745
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,758
−HK$1,027/mo
Today · 4.125%
HK$39,785
baseline
▲ 0.50% · 4.625%
HK$41,882
+HK$2,097/mo
Deposit HK$827K · loan HK$7.44M · min. income ≈ HK$79,570/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$247,990 · Scale 2, in force from 26 Feb 2026)