LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,937
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,526
−HK$598/mo
Today · 4.125%
HK$20,124
baseline
▲ 0.50% · 4.625%
HK$21,349
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,248/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,067
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,632
−HK$573/mo
Today · 4.125%
HK$22,205
baseline
▲ 0.50% · 4.625%
HK$23,376
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,410/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,724
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,431
−HK$718/mo
Today · 4.125%
HK$24,149
baseline
▲ 0.50% · 4.625%
HK$25,619
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$48,298/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,281
−HK$1,365/mo
▼ 0.25% · 3.875%
HK$25,959
−HK$687/mo
Today · 4.125%
HK$26,646
baseline
▲ 0.50% · 4.625%
HK$28,051
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.98M · min. income ≈ HK$53,292/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,512
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,336
−HK$838/mo
Today · 4.125%
HK$28,174
baseline
▲ 0.50% · 4.625%
HK$29,889
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$56,348/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,494
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,285
−HK$802/mo
Today · 4.125%
HK$31,087
baseline
▲ 0.50% · 4.625%
HK$32,726
+HK$1,639/mo
Deposit HK$2.49M · loan HK$5.81M · min. income ≈ HK$62,174/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,086
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,147
−HK$1,077/mo
Today · 4.125%
HK$36,224
baseline
▲ 0.50% · 4.625%
HK$38,428
+HK$2,204/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$72,448/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,921
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,938
−HK$1,032/mo
Today · 4.125%
HK$39,970
baseline
▲ 0.50% · 4.625%
HK$42,076
+HK$2,106/mo
Deposit HK$830K · loan HK$7.47M · min. income ≈ HK$79,940/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,143 · Scale 2, in force from 26 Feb 2026)