LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,995
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,617
−HK$631/mo
Today · 4.125%
HK$21,248
baseline
▲ 0.50% · 4.625%
HK$22,541
+HK$1,293/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,496/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,244
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,840
−HK$606/mo
Today · 4.125%
HK$23,446
baseline
▲ 0.50% · 4.625%
HK$24,681
+HK$1,235/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,892/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,994
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,740
−HK$758/mo
Today · 4.125%
HK$25,498
baseline
▲ 0.50% · 4.625%
HK$27,050
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$50,996/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,693
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,408
−HK$727/mo
Today · 4.125%
HK$28,135
baseline
▲ 0.50% · 4.625%
HK$29,618
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,270/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,992
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,863
−HK$885/mo
Today · 4.125%
HK$29,748
baseline
▲ 0.50% · 4.625%
HK$31,558
+HK$1,810/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,496/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,141
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,976
−HK$848/mo
Today · 4.125%
HK$32,824
baseline
▲ 0.50% · 4.625%
HK$34,554
+HK$1,730/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,648/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,990
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,110
−HK$1,137/mo
Today · 4.125%
HK$38,247
baseline
▲ 0.50% · 4.625%
HK$40,574
+HK$2,327/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,494/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,039
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,113
−HK$1,089/mo
Today · 4.125%
HK$42,202
baseline
▲ 0.50% · 4.625%
HK$44,427
+HK$2,225/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,404/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,058 · Scale 2, in force from 26 Feb 2026)