LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,722
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,335
−HK$624/mo
Today · 4.125%
HK$20,959
baseline
▲ 0.50% · 4.625%
HK$22,234
+HK$1,275/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$41,918/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,940
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,529
−HK$597/mo
Today · 4.125%
HK$23,126
baseline
▲ 0.50% · 4.625%
HK$24,345
+HK$1,219/mo
Deposit HK$4.32M · loan HK$4.32M · min. income ≈ HK$46,252/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$259,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,666
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,402
−HK$748/mo
Today · 4.125%
HK$25,150
baseline
▲ 0.50% · 4.625%
HK$26,681
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,300/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,328
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,035
−HK$716/mo
Today · 4.125%
HK$27,751
baseline
▲ 0.50% · 4.625%
HK$29,214
+HK$1,463/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,502/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,611
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,469
−HK$873/mo
Today · 4.125%
HK$29,342
baseline
▲ 0.50% · 4.625%
HK$31,127
+HK$1,785/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$58,684/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,717
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,540
−HK$836/mo
Today · 4.125%
HK$32,376
baseline
▲ 0.50% · 4.625%
HK$34,083
+HK$1,707/mo
Deposit HK$2.59M · loan HK$6.05M · min. income ≈ HK$64,752/mo (50% DSR)
Upfront cash ≈ HK$2.85M (deposit + AVD stamp duty HK$259,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,499
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,604
−HK$1,121/mo
Today · 4.125%
HK$37,725
baseline
▲ 0.50% · 4.625%
HK$40,021
+HK$2,296/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$75,450/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,493
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,552
−HK$1,074/mo
Today · 4.125%
HK$41,626
baseline
▲ 0.50% · 4.625%
HK$43,820
+HK$2,194/mo
Deposit HK$865K · loan HK$7.78M · min. income ≈ HK$83,252/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$259,469 · Scale 2, in force from 26 Feb 2026)