LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,341
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,943
−HK$611/mo
Today · 4.125%
HK$20,554
baseline
▲ 0.50% · 4.625%
HK$21,804
+HK$1,250/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$41,108/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,517
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,094
−HK$585/mo
Today · 4.125%
HK$22,679
baseline
▲ 0.50% · 4.625%
HK$23,875
+HK$1,196/mo
Deposit HK$4.24M · loan HK$4.24M · min. income ≈ HK$45,358/mo (50% DSR)
Upfront cash ≈ HK$4.50M (deposit + AVD stamp duty HK$254,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,209
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,931
−HK$734/mo
Today · 4.125%
HK$24,665
baseline
▲ 0.50% · 4.625%
HK$26,165
+HK$1,500/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$49,330/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,820
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,512
−HK$703/mo
Today · 4.125%
HK$27,215
baseline
▲ 0.50% · 4.625%
HK$28,649
+HK$1,434/mo
Deposit HK$3.39M · loan HK$5.09M · min. income ≈ HK$54,430/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$254,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,077
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,920
−HK$855/mo
Today · 4.125%
HK$28,775
baseline
▲ 0.50% · 4.625%
HK$30,526
+HK$1,751/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$57,550/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,123
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$30,931
−HK$820/mo
Today · 4.125%
HK$31,751
baseline
▲ 0.50% · 4.625%
HK$33,424
+HK$1,673/mo
Deposit HK$2.54M · loan HK$5.94M · min. income ≈ HK$63,502/mo (50% DSR)
Upfront cash ≈ HK$2.80M (deposit + AVD stamp duty HK$254,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,814
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,897
−HK$1,100/mo
Today · 4.125%
HK$36,997
baseline
▲ 0.50% · 4.625%
HK$39,248
+HK$2,251/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$73,994/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,730
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,769
−HK$1,053/mo
Today · 4.125%
HK$40,822
baseline
▲ 0.50% · 4.625%
HK$42,974
+HK$2,152/mo
Deposit HK$848K · loan HK$7.63M · min. income ≈ HK$81,644/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$254,458 · Scale 2, in force from 26 Feb 2026)