LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,844
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,461
−HK$627/mo
Today · 4.125%
HK$21,088
baseline
▲ 0.50% · 4.625%
HK$22,371
+HK$1,283/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,176/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,076
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,668
−HK$601/mo
Today · 4.125%
HK$23,269
baseline
▲ 0.50% · 4.625%
HK$24,495
+HK$1,226/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,538/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$261,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,812
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,553
−HK$753/mo
Today · 4.125%
HK$25,306
baseline
▲ 0.50% · 4.625%
HK$26,845
+HK$1,539/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$50,612/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,491
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,201
−HK$721/mo
Today · 4.125%
HK$27,922
baseline
▲ 0.50% · 4.625%
HK$29,394
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.22M · min. income ≈ HK$55,844/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,781
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,645
−HK$878/mo
Today · 4.125%
HK$29,523
baseline
▲ 0.50% · 4.625%
HK$31,320
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$59,046/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,906
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,735
−HK$841/mo
Today · 4.125%
HK$32,576
baseline
▲ 0.50% · 4.625%
HK$34,293
+HK$1,717/mo
Deposit HK$2.61M · loan HK$6.09M · min. income ≈ HK$65,152/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,719
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,830
−HK$1,128/mo
Today · 4.125%
HK$37,958
baseline
▲ 0.50% · 4.625%
HK$40,268
+HK$2,310/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$75,916/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,737
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,802
−HK$1,081/mo
Today · 4.125%
HK$41,883
baseline
▲ 0.50% · 4.625%
HK$44,091
+HK$2,208/mo
Deposit HK$870K · loan HK$7.83M · min. income ≈ HK$83,766/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,072 · Scale 2, in force from 26 Feb 2026)