LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,750
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,364
−HK$624/mo
Today · 4.125%
HK$20,988
baseline
▲ 0.50% · 4.625%
HK$22,265
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,976/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,971
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,561
−HK$597/mo
Today · 4.125%
HK$23,158
baseline
▲ 0.50% · 4.625%
HK$24,379
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,316/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,700
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,437
−HK$749/mo
Today · 4.125%
HK$25,186
baseline
▲ 0.50% · 4.625%
HK$26,718
+HK$1,532/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$50,372/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,366
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,073
−HK$717/mo
Today · 4.125%
HK$27,790
baseline
▲ 0.50% · 4.625%
HK$29,255
+HK$1,465/mo
Deposit HK$3.46M · loan HK$5.20M · min. income ≈ HK$55,580/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,650
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,510
−HK$873/mo
Today · 4.125%
HK$29,383
baseline
▲ 0.50% · 4.625%
HK$31,171
+HK$1,788/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,766/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,760
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,585
−HK$837/mo
Today · 4.125%
HK$32,422
baseline
▲ 0.50% · 4.625%
HK$34,131
+HK$1,709/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,844/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,549
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,655
−HK$1,124/mo
Today · 4.125%
HK$37,779
baseline
▲ 0.50% · 4.625%
HK$40,077
+HK$2,298/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$75,558/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,548
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,609
−HK$1,076/mo
Today · 4.125%
HK$41,685
baseline
▲ 0.50% · 4.625%
HK$43,882
+HK$2,197/mo
Deposit HK$866K · loan HK$7.80M · min. income ≈ HK$83,370/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,835 · Scale 2, in force from 26 Feb 2026)