LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,551
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,159
−HK$618/mo
Today · 4.125%
HK$20,777
baseline
▲ 0.50% · 4.625%
HK$22,042
+HK$1,265/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$41,554/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,751
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,334
−HK$592/mo
Today · 4.125%
HK$22,926
baseline
▲ 0.50% · 4.625%
HK$24,134
+HK$1,208/mo
Deposit HK$4.29M · loan HK$4.29M · min. income ≈ HK$45,852/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$257,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,462
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,191
−HK$742/mo
Today · 4.125%
HK$24,933
baseline
▲ 0.50% · 4.625%
HK$26,450
+HK$1,517/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$49,866/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,101
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,801
−HK$710/mo
Today · 4.125%
HK$27,511
baseline
▲ 0.50% · 4.625%
HK$28,961
+HK$1,450/mo
Deposit HK$3.43M · loan HK$5.14M · min. income ≈ HK$55,022/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$257,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,372
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,223
−HK$865/mo
Today · 4.125%
HK$29,088
baseline
▲ 0.50% · 4.625%
HK$30,858
+HK$1,770/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$58,176/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,451
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,268
−HK$828/mo
Today · 4.125%
HK$32,096
baseline
▲ 0.50% · 4.625%
HK$33,788
+HK$1,692/mo
Deposit HK$2.57M · loan HK$6.00M · min. income ≈ HK$64,192/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$257,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,192
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,287
−HK$1,112/mo
Today · 4.125%
HK$37,399
baseline
▲ 0.50% · 4.625%
HK$39,675
+HK$2,276/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$74,798/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,151
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,201
−HK$1,065/mo
Today · 4.125%
HK$41,266
baseline
▲ 0.50% · 4.625%
HK$43,442
+HK$2,176/mo
Deposit HK$857K · loan HK$7.72M · min. income ≈ HK$82,532/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$257,226 · Scale 2, in force from 26 Feb 2026)