LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,747
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,361
−HK$624/mo
Today · 4.125%
HK$20,985
baseline
▲ 0.50% · 4.625%
HK$22,262
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,970/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,968
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,558
−HK$597/mo
Today · 4.125%
HK$23,155
baseline
▲ 0.50% · 4.625%
HK$24,376
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,310/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,696
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,434
−HK$748/mo
Today · 4.125%
HK$25,182
baseline
▲ 0.50% · 4.625%
HK$26,715
+HK$1,533/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$50,364/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,362
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,069
−HK$717/mo
Today · 4.125%
HK$27,786
baseline
▲ 0.50% · 4.625%
HK$29,251
+HK$1,465/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$55,572/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,646
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,506
−HK$874/mo
Today · 4.125%
HK$29,380
baseline
▲ 0.50% · 4.625%
HK$31,167
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,760/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,756
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,581
−HK$836/mo
Today · 4.125%
HK$32,417
baseline
▲ 0.50% · 4.625%
HK$34,126
+HK$1,709/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,834/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,545
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,650
−HK$1,124/mo
Today · 4.125%
HK$37,774
baseline
▲ 0.50% · 4.625%
HK$40,072
+HK$2,298/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$75,548/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,543
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,604
−HK$1,076/mo
Today · 4.125%
HK$41,680
baseline
▲ 0.50% · 4.625%
HK$43,877
+HK$2,197/mo
Deposit HK$866K · loan HK$7.79M · min. income ≈ HK$83,360/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,801 · Scale 2, in force from 26 Feb 2026)