LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,538
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,145
−HK$618/mo
Today · 4.125%
HK$20,763
baseline
▲ 0.50% · 4.625%
HK$22,026
+HK$1,263/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$41,526/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,735
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,318
−HK$592/mo
Today · 4.125%
HK$22,910
baseline
▲ 0.50% · 4.625%
HK$24,117
+HK$1,207/mo
Deposit HK$4.28M · loan HK$4.28M · min. income ≈ HK$45,820/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,445
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,174
−HK$741/mo
Today · 4.125%
HK$24,915
baseline
▲ 0.50% · 4.625%
HK$26,431
+HK$1,516/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,830/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,083
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,782
−HK$710/mo
Today · 4.125%
HK$27,492
baseline
▲ 0.50% · 4.625%
HK$28,941
+HK$1,449/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$54,984/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$257,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,353
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,204
−HK$864/mo
Today · 4.125%
HK$29,068
baseline
▲ 0.50% · 4.625%
HK$30,837
+HK$1,769/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,136/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,430
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,246
−HK$828/mo
Today · 4.125%
HK$32,074
baseline
▲ 0.50% · 4.625%
HK$33,764
+HK$1,690/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,148/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,168
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,262
−HK$1,111/mo
Today · 4.125%
HK$37,373
baseline
▲ 0.50% · 4.625%
HK$39,647
+HK$2,274/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$74,746/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,124
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,173
−HK$1,065/mo
Today · 4.125%
HK$41,238
baseline
▲ 0.50% · 4.625%
HK$43,411
+HK$2,173/mo
Deposit HK$857K · loan HK$7.71M · min. income ≈ HK$82,476/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,046 · Scale 2, in force from 26 Feb 2026)