LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,857
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,475
−HK$628/mo
Today · 4.125%
HK$21,103
baseline
▲ 0.50% · 4.625%
HK$22,387
+HK$1,284/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$42,206/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,091
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,684
−HK$601/mo
Today · 4.125%
HK$23,285
baseline
▲ 0.50% · 4.625%
HK$24,512
+HK$1,227/mo
Deposit HK$4.35M · loan HK$4.35M · min. income ≈ HK$46,570/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$261,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,829
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,570
−HK$753/mo
Today · 4.125%
HK$25,323
baseline
▲ 0.50% · 4.625%
HK$26,864
+HK$1,541/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$50,646/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,509
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,220
−HK$722/mo
Today · 4.125%
HK$27,942
baseline
▲ 0.50% · 4.625%
HK$29,414
+HK$1,472/mo
Deposit HK$3.48M · loan HK$5.23M · min. income ≈ HK$55,884/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$261,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,800
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,665
−HK$879/mo
Today · 4.125%
HK$29,544
baseline
▲ 0.50% · 4.625%
HK$31,341
+HK$1,797/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$59,088/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,928
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,757
−HK$842/mo
Today · 4.125%
HK$32,599
baseline
▲ 0.50% · 4.625%
HK$34,317
+HK$1,718/mo
Deposit HK$2.61M · loan HK$6.10M · min. income ≈ HK$65,198/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$261,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,743
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,855
−HK$1,130/mo
Today · 4.125%
HK$37,985
baseline
▲ 0.50% · 4.625%
HK$40,296
+HK$2,311/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$75,970/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,764
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,831
−HK$1,081/mo
Today · 4.125%
HK$41,912
baseline
▲ 0.50% · 4.625%
HK$44,122
+HK$2,210/mo
Deposit HK$871K · loan HK$7.84M · min. income ≈ HK$83,824/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,253 · Scale 2, in force from 26 Feb 2026)