LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,947
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,536
−HK$599/mo
Today · 4.125%
HK$20,135
baseline
▲ 0.50% · 4.625%
HK$21,360
+HK$1,225/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$40,270/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,078
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,644
−HK$573/mo
Today · 4.125%
HK$22,217
baseline
▲ 0.50% · 4.625%
HK$23,388
+HK$1,171/mo
Deposit HK$4.15M · loan HK$4.15M · min. income ≈ HK$44,434/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$249,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,736
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,444
−HK$718/mo
Today · 4.125%
HK$24,162
baseline
▲ 0.50% · 4.625%
HK$25,632
+HK$1,470/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$48,324/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,294
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,972
−HK$689/mo
Today · 4.125%
HK$26,661
baseline
▲ 0.50% · 4.625%
HK$28,066
+HK$1,405/mo
Deposit HK$3.32M · loan HK$4.99M · min. income ≈ HK$53,322/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$249,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,526
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,351
−HK$838/mo
Today · 4.125%
HK$28,189
baseline
▲ 0.50% · 4.625%
HK$29,904
+HK$1,715/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$56,378/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,510
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,301
−HK$803/mo
Today · 4.125%
HK$31,104
baseline
▲ 0.50% · 4.625%
HK$32,744
+HK$1,640/mo
Deposit HK$2.49M · loan HK$5.82M · min. income ≈ HK$62,208/mo (50% DSR)
Upfront cash ≈ HK$2.74M (deposit + AVD stamp duty HK$249,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,105
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,165
−HK$1,078/mo
Today · 4.125%
HK$36,243
baseline
▲ 0.50% · 4.625%
HK$38,449
+HK$2,206/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$72,486/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,941
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,959
−HK$1,032/mo
Today · 4.125%
HK$39,991
baseline
▲ 0.50% · 4.625%
HK$42,099
+HK$2,108/mo
Deposit HK$831K · loan HK$7.48M · min. income ≈ HK$79,982/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,275 · Scale 2, in force from 26 Feb 2026)