LTV · monthly repayment
▼ 0.50% · 3.625%
HK$19,999
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,621
−HK$632/mo
Today · 4.125%
HK$21,253
baseline
▲ 0.50% · 4.625%
HK$22,546
+HK$1,293/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,506/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,248
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,845
−HK$605/mo
Today · 4.125%
HK$23,450
baseline
▲ 0.50% · 4.625%
HK$24,686
+HK$1,236/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,900/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$263,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,998
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,745
−HK$758/mo
Today · 4.125%
HK$25,503
baseline
▲ 0.50% · 4.625%
HK$27,055
+HK$1,552/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$51,006/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,698
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,414
−HK$726/mo
Today · 4.125%
HK$28,140
baseline
▲ 0.50% · 4.625%
HK$29,623
+HK$1,483/mo
Deposit HK$3.51M · loan HK$5.26M · min. income ≈ HK$56,280/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$263,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,998
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,869
−HK$885/mo
Today · 4.125%
HK$29,754
baseline
▲ 0.50% · 4.625%
HK$31,564
+HK$1,810/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$59,508/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,147
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,983
−HK$847/mo
Today · 4.125%
HK$32,830
baseline
▲ 0.50% · 4.625%
HK$34,561
+HK$1,731/mo
Deposit HK$2.63M · loan HK$6.14M · min. income ≈ HK$65,660/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$263,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,997
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,117
−HK$1,138/mo
Today · 4.125%
HK$38,255
baseline
▲ 0.50% · 4.625%
HK$40,582
+HK$2,327/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$76,510/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,047
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,121
−HK$1,089/mo
Today · 4.125%
HK$42,210
baseline
▲ 0.50% · 4.625%
HK$44,435
+HK$2,225/mo
Deposit HK$877K · loan HK$7.89M · min. income ≈ HK$84,420/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,109 · Scale 2, in force from 26 Feb 2026)