LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,135
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,730
−HK$605/mo
Today · 4.125%
HK$20,335
baseline
▲ 0.50% · 4.625%
HK$21,572
+HK$1,237/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$40,670/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,287
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,858
−HK$579/mo
Today · 4.125%
HK$22,437
baseline
▲ 0.50% · 4.625%
HK$23,620
+HK$1,183/mo
Deposit HK$4.20M · loan HK$4.20M · min. income ≈ HK$44,874/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$251,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,962
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,676
−HK$725/mo
Today · 4.125%
HK$24,401
baseline
▲ 0.50% · 4.625%
HK$25,886
+HK$1,485/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$48,802/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,545
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,230
−HK$695/mo
Today · 4.125%
HK$26,925
baseline
▲ 0.50% · 4.625%
HK$28,344
+HK$1,419/mo
Deposit HK$3.36M · loan HK$5.03M · min. income ≈ HK$53,850/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$251,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,789
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,622
−HK$846/mo
Today · 4.125%
HK$28,468
baseline
▲ 0.50% · 4.625%
HK$30,201
+HK$1,733/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$56,936/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,802
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,601
−HK$811/mo
Today · 4.125%
HK$31,412
baseline
▲ 0.50% · 4.625%
HK$33,068
+HK$1,656/mo
Deposit HK$2.52M · loan HK$5.87M · min. income ≈ HK$62,824/mo (50% DSR)
Upfront cash ≈ HK$2.77M (deposit + AVD stamp duty HK$251,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,442
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,514
−HK$1,088/mo
Today · 4.125%
HK$36,602
baseline
▲ 0.50% · 4.625%
HK$38,829
+HK$2,227/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$73,204/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,317
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,344
−HK$1,043/mo
Today · 4.125%
HK$40,387
baseline
▲ 0.50% · 4.625%
HK$42,516
+HK$2,129/mo
Deposit HK$839K · loan HK$7.55M · min. income ≈ HK$80,774/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$251,744 · Scale 2, in force from 26 Feb 2026)