LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,427
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,031
−HK$614/mo
Today · 4.125%
HK$20,645
baseline
▲ 0.50% · 4.625%
HK$21,901
+HK$1,256/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$41,290/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,612
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,192
−HK$588/mo
Today · 4.125%
HK$22,780
baseline
▲ 0.50% · 4.625%
HK$23,980
+HK$1,200/mo
Deposit HK$4.26M · loan HK$4.26M · min. income ≈ HK$45,560/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$255,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,312
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,037
−HK$737/mo
Today · 4.125%
HK$24,774
baseline
▲ 0.50% · 4.625%
HK$26,281
+HK$1,507/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$49,548/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,934
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,630
−HK$706/mo
Today · 4.125%
HK$27,336
baseline
▲ 0.50% · 4.625%
HK$28,776
+HK$1,440/mo
Deposit HK$3.41M · loan HK$5.11M · min. income ≈ HK$54,672/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$255,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,197
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$28,043
−HK$860/mo
Today · 4.125%
HK$28,903
baseline
▲ 0.50% · 4.625%
HK$30,662
+HK$1,759/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$57,806/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,257
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,068
−HK$823/mo
Today · 4.125%
HK$31,891
baseline
▲ 0.50% · 4.625%
HK$33,573
+HK$1,682/mo
Deposit HK$2.56M · loan HK$5.96M · min. income ≈ HK$63,782/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$255,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,968
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,056
−HK$1,105/mo
Today · 4.125%
HK$37,161
baseline
▲ 0.50% · 4.625%
HK$39,422
+HK$2,261/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$74,322/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,902
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,945
−HK$1,058/mo
Today · 4.125%
HK$41,003
baseline
▲ 0.50% · 4.625%
HK$43,165
+HK$2,162/mo
Deposit HK$852K · loan HK$7.67M · min. income ≈ HK$82,006/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$255,586 · Scale 2, in force from 26 Feb 2026)