LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,887
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,474
−HK$597/mo
Today · 4.125%
HK$20,071
baseline
▲ 0.50% · 4.625%
HK$21,292
+HK$1,221/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$40,142/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,011
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,575
−HK$571/mo
Today · 4.125%
HK$22,146
baseline
▲ 0.50% · 4.625%
HK$23,314
+HK$1,168/mo
Deposit HK$4.14M · loan HK$4.14M · min. income ≈ HK$44,292/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,664
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$23,369
−HK$716/mo
Today · 4.125%
HK$24,085
baseline
▲ 0.50% · 4.625%
HK$25,551
+HK$1,466/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$48,170/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,213
−HK$1,363/mo
▼ 0.25% · 3.875%
HK$25,890
−HK$686/mo
Today · 4.125%
HK$26,576
baseline
▲ 0.50% · 4.625%
HK$27,976
+HK$1,400/mo
Deposit HK$3.31M · loan HK$4.97M · min. income ≈ HK$53,152/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$248,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,441
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,264
−HK$835/mo
Today · 4.125%
HK$28,099
baseline
▲ 0.50% · 4.625%
HK$29,809
+HK$1,710/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$56,198/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,416
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,204
−HK$801/mo
Today · 4.125%
HK$31,005
baseline
▲ 0.50% · 4.625%
HK$32,639
+HK$1,634/mo
Deposit HK$2.48M · loan HK$5.80M · min. income ≈ HK$62,010/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$248,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,996
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,053
−HK$1,075/mo
Today · 4.125%
HK$36,128
baseline
▲ 0.50% · 4.625%
HK$38,326
+HK$2,198/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$72,256/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,820
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,834
−HK$1,029/mo
Today · 4.125%
HK$39,863
baseline
▲ 0.50% · 4.625%
HK$41,965
+HK$2,102/mo
Deposit HK$828K · loan HK$7.45M · min. income ≈ HK$79,726/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,480 · Scale 2, in force from 26 Feb 2026)