LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,760
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,375
−HK$625/mo
Today · 4.125%
HK$21,000
baseline
▲ 0.50% · 4.625%
HK$22,277
+HK$1,277/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$42,000/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,983
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,573
−HK$598/mo
Today · 4.125%
HK$23,171
baseline
▲ 0.50% · 4.625%
HK$24,392
+HK$1,221/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,342/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,713
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,450
−HK$750/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,733
+HK$1,533/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,380
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,087
−HK$718/mo
Today · 4.125%
HK$27,805
baseline
▲ 0.50% · 4.625%
HK$29,271
+HK$1,466/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,610/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$259,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,665
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,525
−HK$874/mo
Today · 4.125%
HK$29,399
baseline
▲ 0.50% · 4.625%
HK$31,188
+HK$1,789/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,798/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,777
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,602
−HK$837/mo
Today · 4.125%
HK$32,439
baseline
▲ 0.50% · 4.625%
HK$34,149
+HK$1,710/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,878/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,569
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,675
−HK$1,124/mo
Today · 4.125%
HK$37,799
baseline
▲ 0.50% · 4.625%
HK$40,099
+HK$2,300/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$75,598/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,570
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,631
−HK$1,077/mo
Today · 4.125%
HK$41,708
baseline
▲ 0.50% · 4.625%
HK$43,906
+HK$2,198/mo
Deposit HK$867K · loan HK$7.80M · min. income ≈ HK$83,416/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,977 · Scale 2, in force from 26 Feb 2026)