LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,055
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,648
−HK$602/mo
Today · 4.125%
HK$20,250
baseline
▲ 0.50% · 4.625%
HK$21,482
+HK$1,232/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$40,500/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,198
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,767
−HK$577/mo
Today · 4.125%
HK$22,344
baseline
▲ 0.50% · 4.625%
HK$23,521
+HK$1,177/mo
Deposit HK$4.18M · loan HK$4.18M · min. income ≈ HK$44,688/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$250,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,866
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,577
−HK$723/mo
Today · 4.125%
HK$24,300
baseline
▲ 0.50% · 4.625%
HK$25,778
+HK$1,478/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$48,600/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,438
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,120
−HK$692/mo
Today · 4.125%
HK$26,812
baseline
▲ 0.50% · 4.625%
HK$28,226
+HK$1,414/mo
Deposit HK$3.34M · loan HK$5.01M · min. income ≈ HK$53,624/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$250,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,677
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,507
−HK$843/mo
Today · 4.125%
HK$28,350
baseline
▲ 0.50% · 4.625%
HK$30,075
+HK$1,725/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$56,700/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,678
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,474
−HK$807/mo
Today · 4.125%
HK$31,281
baseline
▲ 0.50% · 4.625%
HK$32,930
+HK$1,649/mo
Deposit HK$2.51M · loan HK$5.85M · min. income ≈ HK$62,562/mo (50% DSR)
Upfront cash ≈ HK$2.76M (deposit + AVD stamp duty HK$250,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,299
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,366
−HK$1,083/mo
Today · 4.125%
HK$36,449
baseline
▲ 0.50% · 4.625%
HK$38,667
+HK$2,218/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$72,898/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,157
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,180
−HK$1,038/mo
Today · 4.125%
HK$40,218
baseline
▲ 0.50% · 4.625%
HK$42,338
+HK$2,120/mo
Deposit HK$836K · loan HK$7.52M · min. income ≈ HK$80,436/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$250,694 · Scale 2, in force from 26 Feb 2026)