LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,614
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,224
−HK$619/mo
Today · 4.125%
HK$20,843
baseline
▲ 0.50% · 4.625%
HK$22,112
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,686/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,820
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,405
−HK$594/mo
Today · 4.125%
HK$22,999
baseline
▲ 0.50% · 4.625%
HK$24,211
+HK$1,212/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$45,998/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,536
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,268
−HK$744/mo
Today · 4.125%
HK$25,012
baseline
▲ 0.50% · 4.625%
HK$26,534
+HK$1,522/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,024/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,184
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,886
−HK$712/mo
Today · 4.125%
HK$27,598
baseline
▲ 0.50% · 4.625%
HK$29,053
+HK$1,455/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,196/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,459
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,313
−HK$868/mo
Today · 4.125%
HK$29,181
baseline
▲ 0.50% · 4.625%
HK$30,956
+HK$1,775/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,362/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,548
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,367
−HK$831/mo
Today · 4.125%
HK$32,198
baseline
▲ 0.50% · 4.625%
HK$33,895
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,396/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,304
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,403
−HK$1,115/mo
Today · 4.125%
HK$37,518
baseline
▲ 0.50% · 4.625%
HK$39,801
+HK$2,283/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,036/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,276
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,329
−HK$1,069/mo
Today · 4.125%
HK$41,398
baseline
▲ 0.50% · 4.625%
HK$43,580
+HK$2,182/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,796/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,044 · Scale 2, in force from 26 Feb 2026)