LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,127
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,754
−HK$636/mo
Today · 4.125%
HK$21,390
baseline
▲ 0.50% · 4.625%
HK$22,691
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,780/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,392
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,992
−HK$609/mo
Today · 4.125%
HK$23,601
baseline
▲ 0.50% · 4.625%
HK$24,845
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,202/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,153
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,904
−HK$764/mo
Today · 4.125%
HK$25,668
baseline
▲ 0.50% · 4.625%
HK$27,229
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,336/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,870
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,591
−HK$731/mo
Today · 4.125%
HK$28,322
baseline
▲ 0.50% · 4.625%
HK$29,815
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,644/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,178
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,055
−HK$891/mo
Today · 4.125%
HK$29,946
baseline
▲ 0.50% · 4.625%
HK$31,768
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,892/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,348
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,189
−HK$853/mo
Today · 4.125%
HK$33,042
baseline
▲ 0.50% · 4.625%
HK$34,784
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,084/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,229
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,356
−HK$1,145/mo
Today · 4.125%
HK$38,501
baseline
▲ 0.50% · 4.625%
HK$40,844
+HK$2,343/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$77,002/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,305
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,386
−HK$1,097/mo
Today · 4.125%
HK$42,483
baseline
▲ 0.50% · 4.625%
HK$44,722
+HK$2,239/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$84,966/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,806 · Scale 2, in force from 26 Feb 2026)