LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,709
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,322
−HK$623/mo
Today · 4.125%
HK$20,945
baseline
▲ 0.50% · 4.625%
HK$22,219
+HK$1,274/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,890/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,926
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,514
−HK$596/mo
Today · 4.125%
HK$23,110
baseline
▲ 0.50% · 4.625%
HK$24,329
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,220/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,651
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,386
−HK$748/mo
Today · 4.125%
HK$25,134
baseline
▲ 0.50% · 4.625%
HK$26,663
+HK$1,529/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,268/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,311
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,017
−HK$715/mo
Today · 4.125%
HK$27,732
baseline
▲ 0.50% · 4.625%
HK$29,194
+HK$1,462/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,464/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,592
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,451
−HK$872/mo
Today · 4.125%
HK$29,323
baseline
▲ 0.50% · 4.625%
HK$31,107
+HK$1,784/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,646/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,696
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,519
−HK$836/mo
Today · 4.125%
HK$32,355
baseline
▲ 0.50% · 4.625%
HK$34,060
+HK$1,705/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,710/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,476
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,579
−HK$1,121/mo
Today · 4.125%
HK$37,700
baseline
▲ 0.50% · 4.625%
HK$39,994
+HK$2,294/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$75,400/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,466
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,525
−HK$1,074/mo
Today · 4.125%
HK$41,599
baseline
▲ 0.50% · 4.625%
HK$43,791
+HK$2,192/mo
Deposit HK$864K · loan HK$7.78M · min. income ≈ HK$83,198/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,297 · Scale 2, in force from 26 Feb 2026)