LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,674
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,286
−HK$621/mo
Today · 4.125%
HK$20,907
baseline
▲ 0.50% · 4.625%
HK$22,180
+HK$1,273/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$41,814/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,887
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,474
−HK$595/mo
Today · 4.125%
HK$23,069
baseline
▲ 0.50% · 4.625%
HK$24,285
+HK$1,216/mo
Deposit HK$4.31M · loan HK$4.31M · min. income ≈ HK$46,138/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$258,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,608
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,343
−HK$746/mo
Today · 4.125%
HK$25,089
baseline
▲ 0.50% · 4.625%
HK$26,616
+HK$1,527/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$50,178/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,264
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,969
−HK$714/mo
Today · 4.125%
HK$27,683
baseline
▲ 0.50% · 4.625%
HK$29,142
+HK$1,459/mo
Deposit HK$3.45M · loan HK$5.18M · min. income ≈ HK$55,366/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$258,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,543
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,400
−HK$870/mo
Today · 4.125%
HK$29,270
baseline
▲ 0.50% · 4.625%
HK$31,051
+HK$1,781/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$58,540/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,642
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,463
−HK$834/mo
Today · 4.125%
HK$32,297
baseline
▲ 0.50% · 4.625%
HK$33,999
+HK$1,702/mo
Deposit HK$2.59M · loan HK$6.04M · min. income ≈ HK$64,594/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$258,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,413
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,514
−HK$1,119/mo
Today · 4.125%
HK$37,633
baseline
▲ 0.50% · 4.625%
HK$39,923
+HK$2,290/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$75,266/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,396
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,453
−HK$1,072/mo
Today · 4.125%
HK$41,525
baseline
▲ 0.50% · 4.625%
HK$43,714
+HK$2,189/mo
Deposit HK$863K · loan HK$7.77M · min. income ≈ HK$83,050/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$258,836 · Scale 2, in force from 26 Feb 2026)