LTV · monthly repayment
▼ 0.50% · 3.625%
HK$20,135
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,761
−HK$636/mo
Today · 4.125%
HK$21,397
baseline
▲ 0.50% · 4.625%
HK$22,699
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,794/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,400
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,000
−HK$610/mo
Today · 4.125%
HK$23,610
baseline
▲ 0.50% · 4.625%
HK$24,854
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,220/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,161
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,913
−HK$764/mo
Today · 4.125%
HK$25,677
baseline
▲ 0.50% · 4.625%
HK$27,239
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,354/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,879
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,600
−HK$732/mo
Today · 4.125%
HK$28,332
baseline
▲ 0.50% · 4.625%
HK$29,825
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,664/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,188
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,065
−HK$891/mo
Today · 4.125%
HK$29,956
baseline
▲ 0.50% · 4.625%
HK$31,779
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,912/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,359
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,200
−HK$854/mo
Today · 4.125%
HK$33,054
baseline
▲ 0.50% · 4.625%
HK$34,796
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,108/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,242
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,370
−HK$1,145/mo
Today · 4.125%
HK$38,515
baseline
▲ 0.50% · 4.625%
HK$40,858
+HK$2,343/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,030/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,319
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,400
−HK$1,097/mo
Today · 4.125%
HK$42,497
baseline
▲ 0.50% · 4.625%
HK$44,738
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,994/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,899 · Scale 2, in force from 26 Feb 2026)