LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,642
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,253
−HK$621/mo
Today · 4.125%
HK$20,874
baseline
▲ 0.50% · 4.625%
HK$22,144
+HK$1,270/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,748/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,852
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,438
−HK$595/mo
Today · 4.125%
HK$23,033
baseline
▲ 0.50% · 4.625%
HK$24,247
+HK$1,214/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,066/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,571
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,304
−HK$745/mo
Today · 4.125%
HK$25,049
baseline
▲ 0.50% · 4.625%
HK$26,573
+HK$1,524/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$50,098/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,222
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,926
−HK$713/mo
Today · 4.125%
HK$27,639
baseline
▲ 0.50% · 4.625%
HK$29,096
+HK$1,457/mo
Deposit HK$3.45M · loan HK$5.17M · min. income ≈ HK$55,278/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$258,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,499
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,355
−HK$869/mo
Today · 4.125%
HK$29,224
baseline
▲ 0.50% · 4.625%
HK$31,002
+HK$1,778/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$58,448/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,593
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,413
−HK$833/mo
Today · 4.125%
HK$32,246
baseline
▲ 0.50% · 4.625%
HK$33,945
+HK$1,699/mo
Deposit HK$2.58M · loan HK$6.03M · min. income ≈ HK$64,492/mo (50% DSR)
Upfront cash ≈ HK$2.84M (deposit + AVD stamp duty HK$258,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,356
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,456
−HK$1,118/mo
Today · 4.125%
HK$37,574
baseline
▲ 0.50% · 4.625%
HK$39,860
+HK$2,286/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$75,148/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,334
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,389
−HK$1,070/mo
Today · 4.125%
HK$41,459
baseline
▲ 0.50% · 4.625%
HK$43,644
+HK$2,185/mo
Deposit HK$861K · loan HK$7.75M · min. income ≈ HK$82,918/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,425 · Scale 2, in force from 26 Feb 2026)