LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,781
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,396
−HK$625/mo
Today · 4.125%
HK$21,021
baseline
▲ 0.50% · 4.625%
HK$22,300
+HK$1,279/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,042/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,006
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,596
−HK$599/mo
Today · 4.125%
HK$23,195
baseline
▲ 0.50% · 4.625%
HK$24,417
+HK$1,222/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,390/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,737
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,475
−HK$750/mo
Today · 4.125%
HK$25,225
baseline
▲ 0.50% · 4.625%
HK$26,760
+HK$1,535/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$50,450/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,407
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,115
−HK$719/mo
Today · 4.125%
HK$27,834
baseline
▲ 0.50% · 4.625%
HK$29,301
+HK$1,467/mo
Deposit HK$3.47M · loan HK$5.20M · min. income ≈ HK$55,668/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,693
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,554
−HK$875/mo
Today · 4.125%
HK$29,429
baseline
▲ 0.50% · 4.625%
HK$31,220
+HK$1,791/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$58,858/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,808
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,634
−HK$839/mo
Today · 4.125%
HK$32,473
baseline
▲ 0.50% · 4.625%
HK$34,184
+HK$1,711/mo
Deposit HK$2.60M · loan HK$6.07M · min. income ≈ HK$64,946/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$260,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,605
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,713
−HK$1,125/mo
Today · 4.125%
HK$37,838
baseline
▲ 0.50% · 4.625%
HK$40,140
+HK$2,302/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$75,676/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,610
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,673
−HK$1,077/mo
Today · 4.125%
HK$41,750
baseline
▲ 0.50% · 4.625%
HK$43,951
+HK$2,201/mo
Deposit HK$867K · loan HK$7.81M · min. income ≈ HK$83,500/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,243 · Scale 2, in force from 26 Feb 2026)