LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,030
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,653
−HK$633/mo
Today · 4.125%
HK$21,286
baseline
▲ 0.50% · 4.625%
HK$22,582
+HK$1,296/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$42,572/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,284
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,881
−HK$606/mo
Today · 4.125%
HK$23,487
baseline
▲ 0.50% · 4.625%
HK$24,726
+HK$1,239/mo
Deposit HK$4.39M · loan HK$4.39M · min. income ≈ HK$46,974/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$263,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,036
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$760/mo
Today · 4.125%
HK$25,544
baseline
▲ 0.50% · 4.625%
HK$27,098
+HK$1,554/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$51,088/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,740
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,457
−HK$728/mo
Today · 4.125%
HK$28,185
baseline
▲ 0.50% · 4.625%
HK$29,671
+HK$1,486/mo
Deposit HK$3.51M · loan HK$5.27M · min. income ≈ HK$56,370/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$263,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,042
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,915
−HK$886/mo
Today · 4.125%
HK$29,801
baseline
▲ 0.50% · 4.625%
HK$31,614
+HK$1,813/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$59,602/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,197
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,034
−HK$848/mo
Today · 4.125%
HK$32,882
baseline
▲ 0.50% · 4.625%
HK$34,616
+HK$1,734/mo
Deposit HK$2.64M · loan HK$6.15M · min. income ≈ HK$65,764/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$263,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,055
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,176
−HK$1,140/mo
Today · 4.125%
HK$38,316
baseline
▲ 0.50% · 4.625%
HK$40,647
+HK$2,331/mo
Deposit HK$878K · loan HK$7.91M · min. income ≈ HK$76,632/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,110
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,186
−HK$1,091/mo
Today · 4.125%
HK$42,277
baseline
▲ 0.50% · 4.625%
HK$44,506
+HK$2,229/mo
Deposit HK$878K · loan HK$7.91M · min. income ≈ HK$84,554/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$263,528 · Scale 2, in force from 26 Feb 2026)