LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,927
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,515
−HK$599/mo
Today · 4.125%
HK$20,114
baseline
▲ 0.50% · 4.625%
HK$21,337
+HK$1,223/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,228/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,056
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,621
−HK$572/mo
Today · 4.125%
HK$22,193
baseline
▲ 0.50% · 4.625%
HK$23,363
+HK$1,170/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,386/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,712
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$23,419
−HK$717/mo
Today · 4.125%
HK$24,136
baseline
▲ 0.50% · 4.625%
HK$25,605
+HK$1,469/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,272/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,267
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,945
−HK$687/mo
Today · 4.125%
HK$26,632
baseline
▲ 0.50% · 4.625%
HK$28,036
+HK$1,404/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,264/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,497
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,322
−HK$837/mo
Today · 4.125%
HK$28,159
baseline
▲ 0.50% · 4.625%
HK$29,872
+HK$1,713/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,318/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,478
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,269
−HK$802/mo
Today · 4.125%
HK$31,071
baseline
▲ 0.50% · 4.625%
HK$32,709
+HK$1,638/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,142/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,068
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,128
−HK$1,077/mo
Today · 4.125%
HK$36,205
baseline
▲ 0.50% · 4.625%
HK$38,407
+HK$2,202/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,410/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,900
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,917
−HK$1,031/mo
Today · 4.125%
HK$39,948
baseline
▲ 0.50% · 4.625%
HK$42,054
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,896/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,009 · Scale 2, in force from 26 Feb 2026)