LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,902
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,522
−HK$629/mo
Today · 4.125%
HK$21,151
baseline
▲ 0.50% · 4.625%
HK$22,437
+HK$1,286/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$42,302/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,141
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,735
−HK$603/mo
Today · 4.125%
HK$23,338
baseline
▲ 0.50% · 4.625%
HK$24,568
+HK$1,230/mo
Deposit HK$4.36M · loan HK$4.36M · min. income ≈ HK$46,676/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$261,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,883
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,626
−HK$755/mo
Today · 4.125%
HK$25,381
baseline
▲ 0.50% · 4.625%
HK$26,925
+HK$1,544/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$50,762/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,570
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,282
−HK$723/mo
Today · 4.125%
HK$28,005
baseline
▲ 0.50% · 4.625%
HK$29,481
+HK$1,476/mo
Deposit HK$3.49M · loan HK$5.24M · min. income ≈ HK$56,010/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$261,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,863
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,730
−HK$881/mo
Today · 4.125%
HK$29,611
baseline
▲ 0.50% · 4.625%
HK$31,412
+HK$1,801/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$59,222/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,998
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,829
−HK$844/mo
Today · 4.125%
HK$32,673
baseline
▲ 0.50% · 4.625%
HK$34,395
+HK$1,722/mo
Deposit HK$2.62M · loan HK$6.11M · min. income ≈ HK$65,346/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$261,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,824
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,939
−HK$1,132/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,387
+HK$2,316/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,854
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,923
−HK$1,085/mo
Today · 4.125%
HK$42,008
baseline
▲ 0.50% · 4.625%
HK$44,222
+HK$2,214/mo
Deposit HK$873K · loan HK$7.86M · min. income ≈ HK$84,016/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$261,845 · Scale 2, in force from 26 Feb 2026)