LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,619
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,229
−HK$620/mo
Today · 4.125%
HK$20,849
baseline
▲ 0.50% · 4.625%
HK$22,118
+HK$1,269/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$41,698/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,826
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,412
−HK$593/mo
Today · 4.125%
HK$23,005
baseline
▲ 0.50% · 4.625%
HK$24,218
+HK$1,213/mo
Deposit HK$4.30M · loan HK$4.30M · min. income ≈ HK$46,010/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$258,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,543
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,275
−HK$744/mo
Today · 4.125%
HK$25,019
baseline
▲ 0.50% · 4.625%
HK$26,542
+HK$1,523/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$50,038/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,191
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,894
−HK$712/mo
Today · 4.125%
HK$27,606
baseline
▲ 0.50% · 4.625%
HK$29,062
+HK$1,456/mo
Deposit HK$3.44M · loan HK$5.16M · min. income ≈ HK$55,212/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,467
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,321
−HK$868/mo
Today · 4.125%
HK$29,189
baseline
▲ 0.50% · 4.625%
HK$30,965
+HK$1,776/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$58,378/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,557
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,376
−HK$832/mo
Today · 4.125%
HK$32,208
baseline
▲ 0.50% · 4.625%
HK$33,905
+HK$1,697/mo
Deposit HK$2.58M · loan HK$6.02M · min. income ≈ HK$64,416/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,315
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,413
−HK$1,116/mo
Today · 4.125%
HK$37,529
baseline
▲ 0.50% · 4.625%
HK$39,813
+HK$2,284/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$75,058/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,287
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,341
−HK$1,069/mo
Today · 4.125%
HK$41,410
baseline
▲ 0.50% · 4.625%
HK$43,592
+HK$2,182/mo
Deposit HK$860K · loan HK$7.74M · min. income ≈ HK$82,820/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,119 · Scale 2, in force from 26 Feb 2026)