LTV · monthly repayment
▼ 0.50% · 3.625%
HK$18,986
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,577
−HK$600/mo
Today · 4.125%
HK$20,177
baseline
▲ 0.50% · 4.625%
HK$21,405
+HK$1,228/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$40,354/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,122
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$574/mo
Today · 4.125%
HK$22,263
baseline
▲ 0.50% · 4.625%
HK$23,437
+HK$1,174/mo
Deposit HK$4.16M · loan HK$4.16M · min. income ≈ HK$44,526/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$249,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,784
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,492
−HK$720/mo
Today · 4.125%
HK$24,212
baseline
▲ 0.50% · 4.625%
HK$25,686
+HK$1,474/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$48,424/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,347
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,026
−HK$690/mo
Today · 4.125%
HK$26,716
baseline
▲ 0.50% · 4.625%
HK$28,124
+HK$1,408/mo
Deposit HK$3.33M · loan HK$5.00M · min. income ≈ HK$53,432/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$249,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,581
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,408
−HK$840/mo
Today · 4.125%
HK$28,248
baseline
▲ 0.50% · 4.625%
HK$29,967
+HK$1,719/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$56,496/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,571
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,364
−HK$805/mo
Today · 4.125%
HK$31,169
baseline
▲ 0.50% · 4.625%
HK$32,812
+HK$1,643/mo
Deposit HK$2.50M · loan HK$5.83M · min. income ≈ HK$62,338/mo (50% DSR)
Upfront cash ≈ HK$2.75M (deposit + AVD stamp duty HK$249,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,176
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,239
−HK$1,080/mo
Today · 4.125%
HK$36,319
baseline
▲ 0.50% · 4.625%
HK$38,529
+HK$2,210/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$72,638/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,020
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,040
−HK$1,034/mo
Today · 4.125%
HK$40,074
baseline
▲ 0.50% · 4.625%
HK$42,187
+HK$2,113/mo
Deposit HK$833K · loan HK$7.49M · min. income ≈ HK$80,148/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$249,794 · Scale 2, in force from 26 Feb 2026)