LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,908
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,497
−HK$597/mo
Today · 4.125%
HK$20,094
baseline
▲ 0.50% · 4.625%
HK$21,317
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,188/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,035
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,600
−HK$572/mo
Today · 4.125%
HK$22,172
baseline
▲ 0.50% · 4.625%
HK$23,341
+HK$1,169/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,344/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$248,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,690
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$23,396
−HK$717/mo
Today · 4.125%
HK$24,113
baseline
▲ 0.50% · 4.625%
HK$25,580
+HK$1,467/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,226/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,242
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$25,919
−HK$687/mo
Today · 4.125%
HK$26,606
baseline
▲ 0.50% · 4.625%
HK$28,009
+HK$1,403/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,212/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$248,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,472
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,295
−HK$837/mo
Today · 4.125%
HK$28,132
baseline
▲ 0.50% · 4.625%
HK$29,844
+HK$1,712/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$56,264/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,450
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,239
−HK$802/mo
Today · 4.125%
HK$31,041
baseline
▲ 0.50% · 4.625%
HK$32,677
+HK$1,636/mo
Deposit HK$2.49M · loan HK$5.80M · min. income ≈ HK$62,082/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$248,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,035
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,094
−HK$1,075/mo
Today · 4.125%
HK$36,169
baseline
▲ 0.50% · 4.625%
HK$38,370
+HK$2,201/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$72,338/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,864
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,879
−HK$1,030/mo
Today · 4.125%
HK$39,909
baseline
▲ 0.50% · 4.625%
HK$42,013
+HK$2,104/mo
Deposit HK$829K · loan HK$7.46M · min. income ≈ HK$79,818/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$248,767 · Scale 2, in force from 26 Feb 2026)