LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,800
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,416
−HK$626/mo
Today · 4.125%
HK$21,042
baseline
▲ 0.50% · 4.625%
HK$22,322
+HK$1,280/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$42,084/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,027
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,618
−HK$600/mo
Today · 4.125%
HK$23,218
baseline
▲ 0.50% · 4.625%
HK$24,441
+HK$1,223/mo
Deposit HK$4.34M · loan HK$4.34M · min. income ≈ HK$46,436/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$260,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,760
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,499
−HK$751/mo
Today · 4.125%
HK$25,250
baseline
▲ 0.50% · 4.625%
HK$26,787
+HK$1,537/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$50,500/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,433
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,142
−HK$719/mo
Today · 4.125%
HK$27,861
baseline
▲ 0.50% · 4.625%
HK$29,330
+HK$1,469/mo
Deposit HK$3.47M · loan HK$5.21M · min. income ≈ HK$55,722/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$260,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,720
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,582
−HK$876/mo
Today · 4.125%
HK$29,458
baseline
▲ 0.50% · 4.625%
HK$31,251
+HK$1,793/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$58,916/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,838
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,665
−HK$840/mo
Today · 4.125%
HK$32,505
baseline
▲ 0.50% · 4.625%
HK$34,218
+HK$1,713/mo
Deposit HK$2.60M · loan HK$6.08M · min. income ≈ HK$65,010/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$260,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,640
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,749
−HK$1,126/mo
Today · 4.125%
HK$37,875
baseline
▲ 0.50% · 4.625%
HK$40,180
+HK$2,305/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$75,750/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,649
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,713
−HK$1,079/mo
Today · 4.125%
HK$41,792
baseline
▲ 0.50% · 4.625%
HK$43,994
+HK$2,202/mo
Deposit HK$868K · loan HK$7.81M · min. income ≈ HK$83,584/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$260,499 · Scale 2, in force from 26 Feb 2026)